Consumer complaint received 2025-07-04 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for Accounts : XXXX XXXX XXXX XXXX ( Account XX/XX/XXXX XX/XX/XXXXXXXX ). Specifically, Equifax is reporting the account as " Current '' with a " was 120 days past due '' delinquency. Experian is reporting " Current '' with a " was 120 days past due '' delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but with a " was 120 days past due '' status ;XX/XX/XXXX). Specifically, Equifax is reporting the account as Current with a was 30 days past due delinquency. Experian is reporting Current with a was 30 days past due delinquent status. TransUnion is reporting XXXX with a was 30 days past due status ; and XX/XX/XXXX ( AccountXX/XX/XXXX Specifically, Equifax is reporting the account as Current with a was 60 days past due delinquency. Experian is reporting Current with a was 60 days past due delinquent status. TransUnion is reporting Current with a was 60 days past due status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your 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