Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal escalation under the Fair Credit Reporting Act ( FCRA ), directed at Experian, regarding its failure to correct inaccurate data following my original dispute submitted through the CFPB on XX/XX/XXXX. I provided a complete identity and dispute package, including : Government-issued ID SSN verification Proof of address Annotated credit report As of XX/XX/XXXX, Experian has not corrected the inaccurate item. This constitutes a violation of FCRA 611 ( a ) ( 1 ), which requires credit reporting agencies to complete reinvestigations within 30 days.

Disputed item XXXX XXXX 30-Day Late Payment ( XX/XX/XXXX ) Account # : XXXX This derogatory mark is still being reported by Experian. I was never properly notified of a missed payment, and I

believed the account was current at all times. Since that date, all payments have been made on time. This appears to be a reporting error, isolated in nature, and its continued presence is both inaccurate and misleading. It violates FCRA 607 ( b ), which mandates maximum possible accuracy in consumer data. Harm caused Because of this unresolved late payment, I was recently evaluated by a licensed mortgage broker and told that I would receive a 23 % higher interest rate specifically due to this single derogatory item. I am actively applying for a mortgage, and this error is causing a material increase in long-term loan costs totaling tens of thousands of dollars in financial loss over the life of the loan. This is not hypothetical harm. It is real, direct, and a result of Experians failure to comply with the law. Legal violations FCRA 611 ( a ) ( 1 ) : Experian failed to complete the reinvestigation within 30 days FCRA 607 ( b ) : Experian is reporting inaccurate, outdated, and misleading information Guimond v. Trans Union Corp., 45 F.3d 1329 ( 9th Cir. 1995 ) : A consumer is entitled to damages from increased borrowing costs Cahlin v. GMAC, 936 F.2d 1151 ( 11th Cir. 1991 ) : Wrongfully reported derogatory items that affect loan terms are actionable Bibbs v. TransUnion, 43 F.4th 331 ( 3rd Cir. 2022 ) : Even seemingly minor errors that mislead a reasonable reader violate FCRA Request for procedure disclosure Pursuant to FCRA 611 ( a ) ( 6 ), I am formally requesting that Experian provide a full, written description of the reinvestigation process it conducted in response to my XX/XX/XXXX dispute. This must include : The exact timeline of the reinvestigation Which data furnishers were contacted and on what dates What information Experian submitted to those furnishers What responses were received What documents were used to verify the continued reporting What internal standards or policies were applied Failure to provide this procedural disclosure would itself constitute a separate violation of FCRA.

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