Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
Recently I did an investigation on my credit report and found several doms on there to be Under 1545, Code 1681e ( b ) Accuracy of report Whenever a Consumer reporting agencies! prepares a consumer tenant, 1 shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately. 

The personal information is incorrect Subject : Dispute of Inaccurate Late Payments on XXXX XXXXXXXX XXXX Account # XXXX Dear Consumer Financial Protection Bureau Representative, I am submitting this formal complaint regarding inaccurate information being reported on my credit file by XXXX XXXXXXXX XXXX. I have discovered XXXXhree ( 3 ) late payments on my credit report associated with this account, which I believe are being reported in error. This account was a secured loan, has been paid off, and is now closed. Given that I have always met my financial obligations, I am requesting a thorough investigation into this matter. 

Account Details : Creditor : XXXX XXXXXXXX XXXX  Account Number : Date Opened : XX/XX/XXXX Type : Secured Loan Original Balance : {$2500.00} Current Balance : {$0.00} ( Paid Off ) Account Status : Closed Creditor : XXXX XXXX Account Number : Date Opened : XX/XX/XXXX Type : Secured Loan Original Balance : {$12000.00} Current Balance : {$5800.00} ( 54 % Paid Off ) Account Status : Closed Last Balance Update : XX/XX/XXXX Nature of Dispute : I am disputing the reporting of three late payments on this account for the following reasons : Inaccurate Reporting : I have no record or supporting documentation indicating that I missed any payments. I always made timely payments on this account, and I am requesting verification of these alleged delinquencies. 
Violation of Fair Credit Reporting Act ( FCRA ) : If XXXX XXXX XXXX can not substantiate these late payments with proper documentation and billing records, then they must be removed from my credit file in compliance with the FCRA. 
Negative Impact on My Creditworthiness : These incorrect late payments have significantly lowered my credit score, affecting my ability to obtain financing and credit opportunities.

Requested Resolution : I am formally requesting the CFPB to initiate an investigation and require XXXX XXXX XXXX to provide complete, verifiable documentation proving the accuracy of the reported late payments. If they fail to provide documented proof, I demand these late payments be immediately removed from my credit reports with all three major credit bureaus ( Experian, XXXX, and XXXX ). 

Additionally, I request a written response from XXXXXXXX XXXX XXXX confirming the corrections made or an explanation if they refuse to correct these errors. If the bank fails to correct this inaccurate reporting, I am prepared to escalate this matter further under FCRA and consumer protection laws. 

Supporting Documentation ( If Applicable ) : Copy of my credit report highlighting the disputed late payments Payment records or bank statements showing on-time payments Any correspondence with XXXX XXXXXXXX XXXX regarding this account I appreciate your prompt attention to this matter and look forward to your response. If further information is required, please contact me at the details provided below. 

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