Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute and request the deletion of negative information on my credit report under the CARES Act and the Fair Credit Reporting Act ( FCRA ), as the information in question was reported during the COVID-19 pandemic period and does not accurately reflect the protections provided by law during that time.

The following accounts are negatively impacting my credit report and are related to payment delinquencies that occurred during the COVID-19 emergency period : XXXX. XXXX : Account # no number in account in Experian : the last payment was in XXXXXXXX XXXX XXXX. 
XXXX XXXX : Account XXXXXXXX XXXX XXXX XXXX XXXX  Experian, the last payment was in XXXXXXXX XXXX paid XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, the last payment was in XXXXXXXX XXXX paid XXXXXXXX XXXX XXXXXXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, the last payment was in XXXXXXXX XXXX paid. 
XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Experian, the last payment was on XXXXXXXX XXXX paid XXXX : Account : # XXXXXXXX XXXX XXXX  Experian, the last payment was in XXXX, XXXX  paid Under the CARES Act ( All consumer accounts during the disaster period from XX/XX/XXXX, until the official end of the emergency on XX/XX/XXXX, plus an additional 120 days ( until XX/XX/XXXX ) must be reported as current and on-time, regardless of any late payments, as required by the CARES Act and related guidance ) lenders and furnishers of credit information were required to report accounts as current if accommodation was made during the COVID-19 period, even if payments were made late. These late payments were likely a result of pandemic-related hardships and should not have been reported negatively under the provisions of the law. Please Remove Negative Payments from My Accounts It is important to highlight that, for me as well as for the rest of the world, these were difficult times. Even so, we made the payments, which shows my willingness and commitment despite the challenges brought by COVID. '' Additionally, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, outdated, or misleading, and the credit reporting agencies are obligated to investigate and remove any unverifiable or inaccurate entries. 
In light of these regulations, I am requesting that the above-mentioned accounts be investigated and remove the late payments from my credit report if they violate the CARES Act guidelines or can not be properly verified. 
Please conduct a full investigation and notify me of the results within the 30-day time frame required by the FCRA. I have enclosed a copy of my government-issued ID and a utility bill as proof of identity and address. 
Thank you for your prompt attention to this matter.

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