Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
Re : Accounts that were paid on time and never was a late payment Dear Experian, I am contacting you because I have found some information that is inaccurate from my credit report. 
These accounts were never paid late as it is reported. I request that you verify the information and correct the inaccurate late payment remarks from my credit report as quickly as possible. I have identified the discrepancies in the reported payment history, and I am providing the details below for your investigation. 
XXXX. I was never late please update XXXX XXXX XXXX Account Number : XXXX I insist that you have to remove the late payment remarks from this account, as I firmly believe that I made all payments on time. It is imperative that you rapidly rectify this error and ensure that the account accurately reflects my timely payment history. 

Date Opened : XX/XX/XXXX Balance : {$20000.00} Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Last reported : XX/XX/XXXX XXXX. This account was already paid in full and was never late Balance : {$0.00} XXXX XXXXXXXX XXXX Account Number : XXXX Having late payments on a paid account with no balance and no past due is wrong. I request that you remove these inaccurate late payment remarks and correct the payment status of this account to be paid as agreed in my credit report immediately because it is ruining my credit score. 

Date Opened : XX/XX/XXXX Balance : {$0.00} Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Last reported : XX/XX/XXXX XXXX. I was never late please update XXXX XXXX XXXX Account Number : XXXX Having late payments on a paid account with no balance and no past due is wrong. I request that you remove these inaccurate late payment remarks and correct the payment status of this account to be paid as agreed in my credit report immediately because it is ruining my credit score. 

Date Opened : XX/XX/XXXX Balance : {$1800.00} Date of Last Payment : {$1800.00} Date Last Active : XX/XX/XXXX Date Last reported : XX/XX/XXXX XXXX. This account was already paid in full and was never late Balance : {$0.00} XXXX Account Number : XXXX It has come to my attention that the recorded number of late payment remarks are extremely inaccurate. This account was already paid in full and settled. I was never late in this account. Correct the payment status of this account to be paid as agreed right away on my credit report due to it ruining my credit score. 

Date Opened : XX/XX/XXXX Balance : {$0.00} Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Last reported : XX/XX/XXXX XXXX. This account was already paid in full and was never late Balance : {$0.00} XXXX XXXX Account Number : XXXX I would like to bring to your attention that I have successfully settled and paid the outstanding balances on this account in full. Consequently, the accurate and updated balance for this account should be reflected as XXXX. Correct the payment status of this account to be paid as agreed right away on my credit report due to it ruining my credit score. 

Date Opened : XX/XX/XXXX Balance : {$0.00} Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Last reported : XX/XX/XXXX XXXX. This account was already paid in full Balance : {$0.00} XXXX XXXX  Account Number : XXXX I am respectfully requesting a goodwill deletion of this account as a one-time courtesy, as I have resolved the outstanding debt. I kindly request the removal of this account from my credit report. It is ruining my credit score. 

Date Opened : XX/XX/XXXX Balance : {$0.00} Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Last reported : I kindly request that you conduct a thorough investigation into the reported late payment remarks and correct them to show positive in my credit report, timely payments were made and I believe it is crucial to accurately reflect in my payment history. 
I request that you respond to my dispute as stipulated by the Fair Credit Reporting Act ( FCRA ) after your complete investigation and inform me of the results within the legally required time frame. I am eager to ensure the accuracy of my credit report as soon as possible. 
Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and maintaining the accuracy of my credit report.

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