Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I made a dispute with Experian concerning my account with XXXX. At the time XXXX reported my payment late, it was not past the 30 days, and the amount that they were reporting was wrong. I submitted information proving this to Experian and asked that they remove this. I was late making a payment with XXXX and I made my payment before they reported it late on my credit report. 

I have worked very hard over the past 2 years repairing my credit, I went from a XXXX to XXXX range present with 2 of the credit bureaus. I have not had any late payments in over 2 years. I have paid off all of my debts, finishing with Bank XXXX XXXX last week which was the large amount left. I have paid my credit card down to XXXX. I have deleted XXXX, XXXX and After pay and will not be using those anymore. I am in the process of buying my first house, and I am set to close on XX/XX/year>, this is the only thing that would affect me from reaching my goal and lifetime dream. The only reason I was even late is because my mother was admitted to the intensive care unit XXXX hour and XXXX minutes away, for over a week. I ended up driving back and forth for almost a month. I was unable to focus and take care of the things I needed to, d/t taking care of month and trying to get her situated. My dispute is copied below. 

XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Experian Credit Report Dear Sir or Madam, I am writing to formally dispute certain inaccurate information on my credit report issued by your agency. This letter constitutes a formal request to please remove the follow items. 

XXXX XXXX XXXX, opened on XX/XX/year>, is inaccurate, I filed a dispute online twice with submitted information proving that this was wrong, and I plan on contacting the Consumer Financial Protection Bureau next if this is not removed this time. I made payments in XXXX, XXXX, XXXX, and XX/XX/year>, the payment was days late, but it was not past the 30 days due. They even reported it after I made my last payment as well, I just paid the account off. The balance was even incorrect, and I disputed this as well with proof and it was still not removed. I attempted to log back into the account and they removed my account where I couldnt see anything. I am unable to obtain records from my bank because the account was closed as they transitioned to XXXX XXXX XXXX. I am unable to log into the app. I have worked very hard over the past 2 years and paid thousands of dollars working to repair my credit as you can see, and I have not had any late payments in over 3 years. I can admit that it was 8 days late, and that was only an oversite as my mother was admitted to the XXXX at a local hospital and I had been driving back and forth XXXX hours for XXXX weeks. I have attached screenshots with dates that you can see. I am humbly asking that you please remove this account from my credit report as a goodwill deletion. I have deleted XXXX and will never in life use them again. 
Thank you, 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