Consumer complaint received 2025-04-12 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:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ph : XXXX Email : XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Inaccurate Credit Reporting by XXXX XXXX XXXX Consumer Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX Digits ) : [ XXXX ] Account Number : [ XXXX ] Dear Credit Bureau Representative, I am writing to formally dispute the inaccurate reporting of late payments for the months of XXXX and XX/XX/XXXX by XXXX XXXX XXXX  on my credit report. These negative entries are factually incorrect, legally noncompliant, and must be immediately removed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and related provisions. 

Basis for Dispute : 1. Miscommunication by XXXX Representative : My client was expressly informed by a XXXX representative via telephone that a payment of $ XXXX would be acceptable to bring the account to a XXXX balance and maintain the account in good standing. No mention was made of late payment status or credit repercussions. This call should be reviewed as it substantiates that my client acted in good faith based on the information provided by XXXX. Failure to disclose credit impact constitutes negligent misrepresentation. 

XXXX. Organizational and Technical Error : The misreporting was the result of XXXX  internal failure to accurately process or flag the payment arrangement provided. This includes both a failure in organizational communication and a possible system error. No corrective action was taken upon notice of this error. 

XXXX. Misinformation Regarding XXXX  Authority to Remove Negative Marks : My client was erroneously told by XXXX  that it is not possible to remove a negative report once filed. This is false. Under the FCRA, a data furnisher may request deletion or correction of any information it determines is inaccurate or incomplete. Continued refusal to correct this report after notification constitutes willful noncompliance under 15 U.S.C. 1681n. 

XXXX. Correct Payment History : At all times, I paid the agreed-upon $ XXXX as communicated by XXXX. Had my client been properly informed of a different minimum requirement, they could and would have complied. This demonstrates no intent or negligence on their part. 

XXXX. Account Status : The account has now been paid off in full and is in good standing. There is no ongoing delinquency, and the late payment marks serve no accurate or fair purpose on my consumer record. 

Legal Request : Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of the disputed information within 30 days. I request the immediate deletion of the incorrect late payment entries for XXXX and XX/XX/XXXX on the grounds of factual inaccuracy and procedural failure by the data furnisher. 

If these entries are not removed within the statutory timeframe, I am prepared to pursue legal action to enforce my rights under the FCRA, including claims for statutory damages, actual damages, attorneys fees, and injunctive relief. 

Please confirm receipt of this dispute and inform me promptly of the outcome of your reinvestigation. 

Sincerely, XXXX XXXX Ph : XXXX Email : 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