Consumer complaint received 2025-07-24 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:
Experian is continuing to report late payments on several accounts that have long been closed, fully paid, and reflect a XXXX balance with no past due amounts. The accounts at issue include XXXX XXXX ( Account XXXX. XXXX XXXX XXXX reported from XX/XX/XXXX through XX/XX/XXXX ), XXXX ( Account XXXX. XXXX, dated XX/XX/XXXX ), XXXX ( Account XXXX. XXXX, dated XX/XX/XXXX ), and XXXX ( Account XXXX. XXXX, dated XX/XX/XXXX with a listed past due amount of {$0.00} ) XXXX XXXX These tradelines all share a common characteristic : they are paid in full, closed, and show no open delinquencyyet Experian persists in attaching derogatory late payment remarks to them, long after resolution. 

This is an outright violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to ensure the maximum possible accuracy of all data it includes in a consumer credit report. Reporting derogatory payment history on accounts that are not only closed and satisfied, but also reflect a balance of {$0.00} and no past due amounts, is misleading, harmful, and legally indefensible. It suggests unresolved risk to lenders and scoring models when no such risk exists, and it creates the false impression of ongoing delinquency on accounts that have been resolved for years. 

When I first discovered this, I submitted formal disputes directly to Experian requesting deletion or correction of the inaccurate payment history. Despite my clear explanation and evidence that these accounts were fully satisfied and now carry XXXX obligation, Experian responded with a standardized, one-sentence claim that the information was verified. No documentation was provided. No billing records, payment logs, or correspondence from the original creditors were offered to justify the continued reporting of these late payments. This is a textbook violation of 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency conduct a reasonable reinvestigation of disputed items. Experians blanket responseabsent any factual supportproves that no meaningful reinvestigation took place. 

There is no legitimate rationale for Experian to continue publishing late payments associated with XXXXXXXX XXXX XXXX XXXX, XXXX XXXX when each of those accounts is marked as Paid & Closed with no outstanding balance or current past due amount. The information is either outdated, never properly updated by the furnishers, or the result of sloppy data retention practices. Regardless of how it got there, Experians responsibility is to ensure the accuracy and integrity of what it reports. Instead, it is perpetuating false and outdated information that has no business being on a credit file in XXXX. 

The impact of this continued reporting has been significant. I have experienced score suppression, higher interest rates, and unnecessary scrutiny from lenders and underwritersmany of whom flag these old and irrelevant late payments when reviewing my file. Ive had to explain these entries, defend myself, and relive closed financial chapters that should no longer be shaping my access to credit. This situation has caused real emotional strain and financial disadvantage, all because Experian refuses to remove or correct information that is plainly inaccurate and no longer reflective of my creditworthiness.

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