Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All three credit bureausXXXX  Experian, and XXXXare reporting late payments tied to accounts that are either in good standing with no past due balances or fully paid and closed. These accounts include XXXX XXXX Account XXXX. XXXX * * ), reported as open with a late payment dated XX/XX/XXXX and a past due amount of {$0.00XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX * * ), listed as paid and closed with a late payment from XX/XX/XXXX despite reflecting a XXXX balance and no past due XXXX XXXX  and XXXX XXXXXXXX ( Account XXXX. XXXXXXXX XXXX XXXX  ), currently open and showing a late payment dated XX/XX/XXXX with a {$0.00} past due balance XXXX XXXX These derogatory entries are outdated, legally unjustified, and factually misleadingand their continued presence on my credit files across all three bureaus constitutes a violation of federal law. 

The Fair Credit Reporting Act is explicit in requiring credit reporting agencies to ensure the information they report is both accurate and reflective of current consumer behavior. Under 15 U.S.C. 1681e ( b ), all three bureaus have a legal obligation to follow reasonable procedures to assure the maximum possible accuracy of consumer credit data. Reporting a late payment on XXXX when the account is currently open with no past due amount misrepresents the nature of the accounts status and distorts the lender 's view of my current credit risk. Likewise, maintaining a late payment on XXXX  an account that has long been paid off and closed with no outstanding balance, is a clear mischaracterization of a resolved financial obligation that should no longer be contributing any derogatory impact. And the entry for XXXX XXXXXXXX, reflecting a late payment from XX/XX/XXXX on an open account that now shows no past due amount, falsely implies an ongoing delinquency or unresolved issue that does not exist. 

These kinds of discrepancies are not harmless technicalitiesthey directly affect my credit score, influence automated lending decisions, and serve as red flags to underwriters and credit analysts. Ive received higher interest rates, been denied approvals, and had to explain these misleading entries during manual credit reviews, despite the fact that all three accounts are either in good standing or resolved. These inaccuracies have led to substantial financial harm and emotional distress. It is unacceptable that credit bureaus can continue to publish outdated or incomplete information that causes real-life consequences for consumers who have done their part to pay and maintain their accounts. 

Worse, when I attempted to dispute these late payment notations through the standard channels with each bureau, I received the same generic, dismissive response : verified. Not one bureau produced documentation, billing statements, or validation from the original creditors to support the continued derogatory status of these tradelines. That is a clear violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information. If Experian, XXXX  and XXXX  can not produce current and accurate documentation from the furnishers confirming the validity of the late payments, they can not continue to report themperiod. 

The continued publication of late payment data on XXXX XXXX XXXX, and XXXX XXXX, despite all three showing either open and current status or paid and closed standing, is not only legally improperit is deeply irresponsible. These entries are damaging my financial credibility, misrepresenting my credit behavior, and violating my rights as a consumer under federal law.

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