Consumer complaint received 2025-03-19 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Complaint Against Experian Regarding Inaccurate Account Reporting I am writing to formally file a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) against Experian, a major credit reporting agency, regarding their failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve this issue directly with Experian, they have refused to update my payment status and the reported late payments on accounts where I was never late. Description of the Issue : 1. Account Information : - Account Name : XXXX  - Account Number ( XXXX ) : XXXX - Account Type : Education / Student Loan - Account Name : ( XXXX XXXX - Account Number ( XXXX ) : XXXX - Account Type : Revolving 2. Nature of the Complaint : The accounts listed above inaccurately report late payments, despite my record of timely payments. These accounts were never late, and I have documentation to substantiate my claims ( e.g., bank statements, payment confirmation emails, etc. ). 3. Efforts to Resolve the Issue : I have contacted Experian multiple times through their customer service channels and provided evidence showing that the payment status was incorrectly reported. However, Experian has refused to update my account status or remove the erroneous late payment marks. Legal Basis for My Complaint : Under the **Fair Credit Reporting Act ( FCRA ) **, specifically Section 1681i, I am entitled to dispute any inaccuracies in my credit report. The law requires that consumer reporting agencies, such as Experian, investigate and correct any inaccuracies in a timely manner. When a consumer disputes information, the reporting agency must investigate the dispute within 30 days, and if the information is found to be inaccurate, it must be corrected or removed from the report. Furthermore, under Section 1681e ( b ) of the FCRA, Experian is obligated to maintain reasonable procedures to ensure that my credit report is accurate and complete. By failing to update the accounts to reflect the true payment history, Experian is in violation of these obligations. **Requested Resolution : ** 1. I request that Experian immediately correct the inaccurate payment status and remove any late payment marks from the above-mentioned accounts. 2. If Experian is unable to verify the accuracy of the reported late payments, I request that they remove the accounts in question from my credit report entirely, as required by the FCRA. 3. I demand that Experian provide written confirmation of the changes made to my credit report or, if no changes are made, a detailed explanation of the findings of their investigation and why no corrections were made. Please note that I am prepared to take further legal action if this matter is not resolved in a timely and satisfactory manner. I appreciate your prompt attention to this complaint and look forward to a resolution. Thank you for your assistance

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