Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because Experian, TransUnion, and Equifax have refused to remove or correct inaccurate late payment information furnished by XXXX  XXXX XXXX on my credit report, despite multiple disputes. Both the furnisher and the credit bureaus have failed to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Reporting Standards.

1. Inaccurate Late Payments Reported by XXXX XXXX XXXX XXXX XXXX XXXX reported the following late payments on my account : 60 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX These reported late payments are factually inaccurate, as the prior months do not reflect the necessary sequence of delinquency required to reach a 30- or 60-day late status. My payment history shows consistent on-time payments in the months leading up to those disputed dates. 

Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are legally required to report accurate information. Inaccurate, incomplete, or unverifiable data must not be provided or maintained on a consumer 's file. 

Furthermore, Metro 2 guidelines require that payment information follow a correct delinquency sequence. A creditor can not report a 60-day late without a 30-day late in the preceding month, and can not report a 30-day late if the prior month was not delinquent. These violations render the tradeline inaccurately reported, and therefore disputable and subject to deletion or correction.

2. Conflicting Pay Status vs. Payment History There is a third inaccuracy : My Pay Status shows Current, Yet the Payment History Grid shows multiple 30- and 60-day late payments. 

Under FCRA 607 ( b ), information must be complete and not misleading. A Current pay status can not coexist with delinquency codes unless the delinquency is historical and correctly dated which is not the case here.

This inconsistency renders the tradeline inaccurate under FCRA 623 and 607 ( b ) and therefore must be corrected or removed.

* * 3. Failure of XXXX XXXX XXXX  to Properly Investigate ( FCRA 623 ( a ) ( 8 ) ) * * I filed formal disputes with XXXX  XXXX XXXX on : XX/XX/XXXX ( physical letter no response ) XX/XX/XXXX ( customer representative refused removal ) FCRA 623 ( a ) ( 8 ) requires furnishers to conduct a reasonable investigation and respond. XXXX  XXXX XXXX failed to provide documentation proving these late payments are accurate, verifiable, and correctly reported. 

If the furnisher can not verify the accuracy through documentation, the disputed information must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 

4. Failure of the Credit Bureaus to Correct or Delete Inaccurate Information Disputes filed : TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX ( XXXX  XXXX XXXX proceeds to change the late payment on XX/XX/XXXX to XX/XX/XXXX which is still inaccurate ) Each bureau either refused to correct the inaccurate reporting or claimed the information was verified without providing any documentation. 

Under FCRA 611 ( a ), if disputed information can not be verified, it must be deleted, not reinserted or maintained.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), the consumer is entitled to the method and documentation of verification. No bureau has provided this. 

5. My Request to the CFPB I have made every attempt to resolve this directly with the furnisher and each bureau. All have failed to follow the accuracy, investigation, and verification requirements set forth in the FCRA. 

I am requesting that the CFPB investigate XXXX  XXXX XXXX, Experian, TransUnion, and Equifax for the following failures : 1. Reporting inaccurate and non-sequential late payments.

2. Reporting inconsistent Pay Status vs. Payment History, creating misleading data.

3. Failing to conduct a reasonable reinvestigation as required under FCRA 611 and 623.

4. Failing to provide verification documentation for the reported late payments.

5. Continuing to report information that is inaccurate, unverifiable, and contradictory, in violation of FCRA 1681i and 607 ( b ).

I respectfully request that these inaccurate late payments be removed entirely from my credit reports, as they can not be verified or accurately substantiated according to federal law and Metro 2 Compliance Standards.

Thank you for your time and attention. I have attached all correspondence, dispute letters, and credit report screenshots to support this complaint.

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