Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a formal and urgent complaint against the credit reporting agency for failing to correct inaccurate and harmful reporting on my XXXX AND FLAN account ( Account No. XXXXXXXX XXXX XXXX * despite having submitted a physical dispute with proof. I received a generic and automated verified response, which clearly violates my rights under multiple federal laws. 

This account is currently showing a late payment in XX/XX/XXXX, which is completely inaccurate. I made the payment on time, and I am attaching a bank statement as proof that this payment was made during the billing period. The continued reporting of this false late payment, especially after I have provided documentation, is unjustified and unlawful.

In addition, the account contains inconsistencies across the three major credit bureaus, which further proves the lack of accuracy and reliability of the information being reported : Balance Owed : Equifax shows {$0.00}, while the others report {$1000.00}. 
Last Verified : TransUnion shows XX/XX/XXXX, Experian shows no date, and Equifax shows XX/XX/XXXX. 
Date of Last Activity : TransUnion lists XX/XX/XXXX, Experian XX/XX/XXXX, and Equifax XX/XX/XXXX. 
Date Opened : TransUnion and Equifax list XX/XX/XXXX, Experian lists XX/XX/XXXX, but theres no matching reflection of payment history alignment. 
Payment Status : All show Current, yet a late payment is still reflectedthis is a contradiction. 
Payment History : XX/XX/XXXX is marked as 30 days late, despite evidence of on-time payment. 

This inaccurate and inconsistent reporting violates several key consumer protection laws : Violations and Legal Grounds : 1. Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : Failure to maintain maximum possible accuracy.

1681i ( a ) : Refusal to conduct a proper reinvestigation upon dispute.

1681s-2 ( b ) : Furnishers duty to correct and update information after a consumer dispute. 
The automated verified response suggests reliance on the e-OSCAR system, which fails to meet the reasonable investigation standard ( XXXX XXXX Trans Union XXXX ). 
XXXX. Truth in Lending Act ( TILA ) 1637 ( b ) and 12 CFR 1026.5 : Failure to provide clear and timely periodic billing statements 21 days before the due date, which may have caused misreporting or confusion over the timing of payments.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Reporting inaccurate payment history after receiving proof of timely payment misleads creditors and constitutes deceptive behavior under CFPB enforcement.

4. Protection Against Non-Payment of Obligations Act ( PAANL ) The account has been paid, yet negative marks are being reported. Continued derogatory reporting of fulfilled obligations is unlawful under this protection. 5. Equal Credit Opportunity Act ( ECOA ) Disparate or inconsistent reporting of the same account across bureaus can cause unfair treatment and potential credit denial, violating equal credi
t opportunity protections.

6. Consumer Data Accuracy Principles The lack of synchronization between TransUnion, Experian, and Equifax indicates systemic reporting failure and violation of federally enforced accuracy standards.

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