Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this letter to formally dispute the reporting of several accounts that are inaccurately reflecting late payments and charge-off information, which misrepresent my verified payment history. The accounts in question include XXXX XX/XX/XXXX, and the related charge-off on XXXX XXXX XXXXXX/XX/XXXX opened on XX/XX/XXXX, shows a 30-day late payment as of XX/XX/XXXX, despite my records confirming that all payments were made timely. This account was closed with a {$0.00} balance in good standing, and the reported delinquency is inconsistent with my verified transaction history. The inaccurate reporting of this late mark directly conflicts with my payment records and violates FCRA 607 ( b ), which mandates maximum possible accuracy of information furnished. 
Similarly, XXXXXX/XX/XXXX opened XX/XX/XXXX, with a balance of {$15000.00}, is reported as having a 150-day late payment as of XX/XX/XXXX. My bank statements and payment confirmations clearly show that no such delinquency occurred. This inaccurate notation presents a distorted view of my creditworthiness and constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reason to believe is inaccurate. 
The XXXX XX/XX/XXXX account is reported with conflicting statuses : XXXX record indicates a {$0.00} balance and current status, while another reflects a charge-off of {$13000.00}. This discrepancy is misleading and does not align with the actual account history. Under FCRA 611 ( a ), I have the right to dispute any unverifiable or conflicting information, and the furnisher is required to conduct a reinvestigation to ensure the accuracy of this account. 
Additionally, the XXXX XXXX XX/XX/XXXX account, opened XX/XX/XXXX, shows a 60-day late payment despite verified on-time payments. My records indicate that all payments were made according to the agreed schedule, and there was no disruption or delay that would justify a late mark. Furnishers are obligated under FCRA 623 ( a ) ( 2 ) to promptly correct any information found to be inaccurate or incomplete.

The cumulative effect of these inaccuracies is significant. Incorrect reporting of late payments and charge-offs misrepresents my financial responsibility, potentially impacting lending decisions and other financial evaluations. Accurate reporting is not only essential for fair assessment but is also a legal requirement under federal law, including Regulation V ( 12 C.F.R. 1022.431022.44 ), which obligates furnishers to correct and update incomplete or inaccurate information once identified. 
In light of these facts, I am requesting that : 1. All inaccurate late payment entries on the above accounts be corrected and updated to reflect the verified on-time payments.

2. The charge-off on XXXXXX/XX/XXXX be reviewed for accuracy and corrected to reflect the actual account history. 
3. Written confirmation be provided upon completion of these updates.

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