Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for continuing to report multiple late payments that are entirely false, misleading, and directly harmful to my credit profile. These accounts are either closed and fully paid with zero balance and zero past due, or currently open and in good standing with no past due amounts. Despite this, Experian continues to misrepresent them as delinquent, which is a blatant violation of my rights under the Fair Credit Reporting Act. 

The following accounts are being inaccurately reported by Experian. XXXX XXXX ending in XXXX is shown with a late payment on XX/XX/XXXX, even though it is closed, paid, and carries XXXX  balance and zero past due. XXXX XXXX XXXX ending in XXXX is listed with a late payment on XX/XX/XXXX, despite also being closed and fully satisfied with no outstanding obligations. XXXX XXXX ending in XXXX is inaccurately marked late on XX/XX/XXXX even though the account is closed and paid in full with XXXX balance. XXXX ending in XXXX is being shown with a late payment on XX/XX/XXXX even though this account is also closed, paid, and with no delinquency whatsoever. XXXX XXXX XXXX ending in XXXX is marked late on XX/XX/XXXX even though the account was closed, paid, and shows XXXX balance and XXXX past due. XXXX XXXX ending in XXXX is being reported as late, despite the account being open and showing XXXX past due. XXXX BANK XXXX ending in XXXX is incorrectly listed with a late payment on XX/XX/XXXX, even though the account is open and shows XXXX past due. XXXX  XXXX ending in XXXX is listed with a late payment on XX/XX/XXXX, despite the account being open and showing no delinquency. XXXX  XXXX ending in XXXX is also marked late on XX/XX/XXXX even though the account is open and has no past due balance. 

Experian is in clear violation of its duty under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they furnish. Reporting late payments on accounts that are either closed and paid in full or currently open with XXXX past due is not only inaccurate, it is reckless. Additionally, Experian is failing its obligation under 15 U.S.C. 1681i to conduct a reasonable reinvestigation once disputes are submitted. I have made repeated attempts to have these inaccuracies corrected, yet the bureau continues to recycle and reinsert the same false information without proper correction. 

These repeated inaccuracies are not minor clerical mistakes. They severely damage my credit standing, cause me immense financial harm, and create unnecessary emotional distress. I have spent countless hours dealing with issues that I did not cause, yet Experian continues to undermine my creditworthiness with information that directly contradicts the actual status of these accounts. This is irresponsible, unlawful, and unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation