Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
XX/XX/XXXX Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for account # XXXX with XXXX XXXX. These late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time through autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. My account was fully paid on time, and autopay was active to ensure consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness and payment history.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, allowing for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements.

Summary of Errors on Account The XXXX XXXX account displays several discrepancies across credit bureaus. XXXX incorrectly reports XXXX late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while Experian and XXXX report late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite timely payments through autopay. XXXX and XXXX list a high balance of {$30000.00}, while Experian shows {$0.00}. 
Additionally, the " Date Reported '' and " Date of Last Activity '' differ, leading to inconsistencies in account status. XXXX inaccurately describes the account as " closed or paid account/zero balance, '' while the dispute status remains " not disputed '' despite prior correction requests. These errors collectively misrepresent the account 's payment history, balance, and dispute status. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue XXXX lead to further action to protect my consumer rights. 
Thank you for your immediate attention to this matter. 
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