Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Against Experian and XXXX for Inaccurate Reporting on XXXX  Account To Whom It May Concern, I am writing to formally file a complaint against Experian and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ending in XXXX. Despite multiple attempts to address these inaccuracies, including disputes filed on XX/XX/XXXX and prior dates, the issue remains unresolved. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed ( XXXX ), Paid ( Experian ) Account Description : Joint Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Late 30 Days Errors and Discrepancies : Late Payments : XXXX and Experian inaccurately reported 30-day late payments for XXXX, XXXX, and XX/XX/XXXX, despite the account showing a {$0.00} balance and being closed as of XX/XX/XXXX. 
Inconsistent Account Status : The account is reported as " Closed '' in XXXX but " Paid '' in Experian, leading to confusion and inaccuracy. 
Lack of Verification : Despite disputes filed on XX/XX/XXXX, no corrections have been made, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Violations of Federal Law : 15 USC 1681i : Credit reporting agencies are required to investigate and correct inaccurate information in consumer files. Both XXXX and Experian failed to fulfill this obligation. 
15 USC 1681b : This section prohibits furnishing inaccurate information, which both bureaus are guilty of by reporting late payments that did not occur.

15 USC 1681s-2 : The data furnisher ( XXXX ) failed to provide accurate and updated information to the credit bureaus, violating their responsibilities under the FCRA. 
Impact on My Creditworthiness : The incorrect late payment notations have caused undue harm to my credit score, negatively impacting my ability to secure credit and financial opportunities. 
Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from both XXXX and Experian reports. 
Correction of all discrepancies to ensure the account reflects accurate and consistent data. 
Written confirmation from both bureaus that these corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional complaints with relevant regulatory agencies and exploring legal action. 
I request a formal acknowledgment of this complaint and a resolution within 30 days. 
Sincerely, XXXX XXXX XXXX

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