Consumer complaint received 2024-07-30 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: MD

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Credit Report Information Dear Sir/Madam , I am writing to formally dispute and request the removal of inaccurate information reported on my credit file by XXXX / XXXX  Credit XXXX The information in question is adversely affecting my credit score and does not accurately reflect my credit history. 
For over XXXX months, XXXX / XXXX XXXX has been inaccurately reporting that my account is 30 days past due. This is not true and is a violation of the Fair Credit Reporting Act ( FCRA ). My payment due date is the 9th of every month. However, if I do not make the payment by the 9th and the date reaches the XXXX or XXXX, XXXX / XXXX XXXX automatically reports my account as 30 days past due. This is against the FCRA, which stipulates that an account should be reported as 30 days past due only if it is indeed 30 days past due. For instance, for my account to be accurately reported as 30 days past due, it should be XX/XX/XXXX or XX/XX/XXXX. 
They reported a no payment on XX/XX/year> which is not true They reported also 30 days late for XX/XX/year> ( which is also not true, because Im not yet 30 days late my payment date is on the XXXX but they reported as 30 days past on XX/XX/XXXX and XX/XX/XXXX to all XXXX bureaus ) technically I should be 30 days late by XX/XX/XXXX or XXXX. 
And they been reporting like that since more than XXXX months now false information on my credit profile. 
This erroneous reporting is severely damaging my credit score. It is essential to highlight that under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information included in consumer credit reports. The continuous inaccurate reporting by XXXX / XXXX XXXX not only violates the FCRA but also causes undue harm to my creditworthiness. 
I have attached copies of the following documents to support my claim : List of documents such as payment records like Bank Statement ( for XX/XX/year> ) CFPB complaint ( which has been transferred to The Federal Reserve Board ) Screenshots from Experian App My ID to confirm my identity.

In light of the above, I request that you investigate this matter, verify the information ask XXXX / XXXX XXXX what my payment date is? which is the XXXX so you will understand that they always report false information on my credit profile, and subsequently remove the inaccurate delinquency from my credit report. This correction will help in ensuring that my credit report reflects accurate and fair information. 
Another complaint has been sent to XXXX XXXX XXXX Maryland Attorney General. 
I would appreciate a prompt resolution to this issue and look forward to your response confirming that the necessary corrections have been made. 

Thank you for your attention to this urgent matter. 
Sincerely,

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