Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} Late Payment * * Law Violation : FCRA XXXX ( a ) Story : The reported late payment is inaccurate. I had automatic payments set up and never missed a due date. This appears to be a reporting error that I request you reinvestigate immediately. 
Request : Please validate the payment history with proper documentation or remove this record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} Late Payment * * Law Violation : FCRA 1681c-2 Story : This account was newly opened, and I was in the grace period when the late payment was reported. Reporting a delinquency during grace violates the FCRA and misrepresents my financial conduct. 
Request : Remove this inaccurate negative mark. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Late Payment * * Law Violation : FCRA XXXX Story : There is no accurate documentation provided to justify this late payment. This record appears as a duplicated or misapplied delinquency. 
Request : Reinvestigate and delete unless full documentation proves accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} Late Payment * * Law Violation : FCRA 1681s-2 ( b ) Story : I have consistently made timely payments and this late payment is unfounded. This inaccuracy is affecting my credit standing. 
Request : Request full payment ledger and verify its validity or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$950.00} Late Payment * * Law Violation : FCRA XXXX Story : I have no record of missing any payments on this account. This could be an error from internal system syncing or misreporting. 
Request : XXXX with the furnisher and provide clear documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} Late Payment * * Law Violation : FCRA 1681e ( b ) Story : The reported late payment is not supported by my bank statements and appears to be an error by the furnisher. This is harming my ability to access fair credit.

Request : Please initiate reinvestigation and remove the delinquency if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment * * Law Violation : FCRA XXXX Story : Duplicate account entries with differing balances indicate inconsistent data, which violates the FCRA. The late mark here is questionable. 
Request : Eliminate any duplicate negative entries and verify payment data. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Late Payment * * Law Violation : FCRA 1681i Story : Payment was made in full before due date. Any late reporting is incorrect. Please verify with billing history.

Request : Request deletion of the late mark. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$35.00} Late Payment * * Law Violation : FCRA XXXX Story : Payment discrepancy arose due to auto-pay error, which was resolved quickly. Reporting late payment is unjust. 
Request : Reinvestigate and delete inaccurate information. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$72.00} Late Payment * * Law Violation : FCRA XXXX Story : This payment was reported late despite being made within a XXXX window. This contradicts accurate reporting standards. 
Request : Please delete this unfair negative mark. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Violation : FCRA XXXX ( b ) Story : Account is paid in full, no outstanding balance should report as late. This is a clear error. 
Request : Remove any derogatory info from this entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Late Payment * * Law Violation : FCRA XXXX Story : No prior notice or communication was provided regarding this late payment. It appears incorrectly reported. 
Request : Please confirm accuracy or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$37.00} Late Payment * * Law Violation : FCRA 1681c-2 Story : Paid on time, and this appears to be a false negative entry. Verification must be provided.

Request : Remove this from the report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$50.00} Late Payment * * Law Violation : FCRA XXXX Story : The payment was made electronically and confirmed within the due date. 
Request : Delete the negative mark. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$310.00} Late Payment * * Law Violation : FCRA XXXX Story : The payment was delayed due to a temporary system error and resolved within a few days. Should not be reported as XXXX day late. 
Request : Remove inaccurate negative reporting. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$30.00} Late Payment * * Law Violation : FCRA XXXX Story : Payment date was misapplied. I have proof of on-time transaction. 
Request : Reinvestigate and correct this error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$10.00} Late Payment * * Law Violation : FCRA XXXX Story : Minimal payment was made on time. This record was likely marked wrong by automated process. 
Request : Reverify with furnisher and delete this inaccuracy. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Late Payment * * Law Violation : FCRA XXXX Story : This reporting error does not reflect the true status of account payments. 
Request : Remove this derogatory information. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$14.00} Late Payment * * Law Violation : FCRA XXXX ( b ) Story : Minor amount was paid timely and this negative item is unfair and incorrect. 
Request : Please delete this late payment from my report. 
I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

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