Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX Acct # XXXX XXXX * * To Whom It XXXX Concern : I am writing to formally dispute a late payment entry on my credit report for XXXX ( Acct # XXXX * * * ). The entry states that my payments were 30 days late in XX/XX/XXXX and this account is closed as of XX/XX/XXXX. 

However, my records show that all these payments were made on time. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to challenge the validity of this late payment report. Specifically, I am citing 15 USC 1681d ( 1 ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ), and 15 USC 1681a ( 2 ) ( A ) ( i ).

These accounts are not reflected in my Equifax credit report, which indicates that they are either erroneous or unverifiable. The FCRA requires credit reporting agencies to report only accurate and verifiable information. This late payment entry is misleading to potential creditors and violates Federal Law.

I request that you promptly investigate this issue and correct the record by changing the late payment entry to OK or Paid on Time status. Under the FCRA, I understand that you must complete the investigation within 30 days and provide me with written confirmation of the correction, as well as an updated copy of my credit report.

I appreciate your immediate attention to this matter and look forward to its swift resolution. 
Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights are reserved. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXo Whom It XXXX Concern : I am writing to address a late payment entry on my credit report associated with CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This late payment spans from XX/XX/XXXX to XX/XX/XXXX, and I firmly believe it to be inaccurate and unjustified. 
However, my records show that all these payments were made on time. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to challenge the validity of this late payment report. Specifically, I am citing 15 USC 1681d ( 1 ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ), and 15 USC 1681a ( 2 ) ( A ) ( i ).

These accounts are not reflected in my Equifax credit report, which indicates that they are either erroneous or unverifiable. The FCRA requires credit reporting agencies to report only accurate and verifiable information. This late payment entry is misleading to potential creditors and violates Federal Law.

I request that you promptly investigate this issue and correct the record by changing the late payment entry to OK or Paid on Time status. Under the FCRA, I understand that you must complete the investigation within 30 days and provide me with written confirmation of the correction, as well as an updated copy of my credit report. 
I appreciate your immediate attention to this matter and look forward to its swift resolution. 
Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights are reserved.

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