Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I am writing to formally dispute several errors found in my credit report, as I believe that the information being reported is inaccurate and damaging to my financial reputation. These errors not only misrepresent my credit history but also violate my rights under the Fair Credit Reporting Act ( FCRA ). I respectfully request a thorough investigation into these discrepancies, as they are severely impacting my credit score and my ability to access credit in the future. Below, I have outlined each account in question, providing a detailed explanation of the errors for your review. 
The first account I wish to dispute is XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which lists a balance owed of {$1800.00} and was opened on XX/XX/year>. According to the credit report, this account shows a 90-day late payment, which I believe to be incorrect. I have reviewed my records, including bank statements and payment history, and there is no evidence to support that any payment was made late on this account. In fact, I have consistently made payments on time, and I believe this to be an error on the part of either the lender or your reporting system. Under the FCRA Section 607 ( b ), credit bureaus are legally required to maintain accurate and complete records. The erroneous report of a 90-day late payment is causing significant damage to my credit score and must be investigated and corrected promptly. I ask that you correct this error as soon as possible and update my credit report to reflect the accurate payment history. 
Similarly, there is another account under XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this time with a balance owed of {$3300.00}, which was also opened on XX/XX/year>. This account is also listed with a 90-day late payment, which, once again, is not reflective of my actual payment history. I have always ensured that payments are made within the required timeframes, and no payment has been missed or delayed for any reason. As per the FCRA Section 611, I have the right to dispute information that I believe is inaccurate, and your agency is obligated to investigate and correct such errors. The inclusion of a 90-day late payment for this account is an unjust representation of my financial behavior, and I am requesting an immediate investigation and correction to restore the accuracy of my credit report. 
Lastly, I would like to address an account under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance owed of {$16000.00}. This account, which was marked as closed late, is included in my regular dispute letter, but I want to clarify the error in detail. According to the report, this account was closed with a late payment, but I have no record of such a late payment or closure. The account was consistently in good standing, and I made all payments according to the terms set forth. The inclusion of a late closure is not only factually incorrect but is also in violation of my rights under the FCRA Section 609, which grants me the right to ensure that all data reported about me is accurate and truthful. This error must be corrected immediately, as it is significantly affecting my ability to access credit and causing undue harm to my financial standing. 
In summary, the above-listed accounts have been reported with errors that do not reflect the actual facts of my payment history. These errors, including inaccurate late payments and a falsely reported late closure, are severely affecting my credit score and violating my legal rights as a consumer. Under the FCRA, I am entitled to a fair and accurate credit report and am requesting that these errors be corrected without delay. I expect your agency to investigate these claims in accordance with FCRA Section 611, which requires an investigation into disputes and a response within 30 days. If you need further documentation or additional information to resolve this matter, please do not hesitate to contact me. I look forward to your prompt attention and a resolution to this issue.

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