Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am submitting this complaint regarding the continued and unlawful reporting of false XXXX late payment codes across multiple credit bureaus, specifically by Equifax, Experian, and TransUnion, XXXX repeated disputes and prior CFPB case filings confirming these items were previously deleted as inaccurate. 

The account in XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX is reported as open with a {$0.00} balance on all three credit bureaus. However, Equifax and Experian continue to misreport it with derogatory late payment codes, while TransUnion correctly reports it as current, positive, and paid as agreed LATE PAYMENT EQ LATE PAYMENT EX. 

This inconsistency demonstrates clear XXXX XXXX compliance violations and willful noncompliance with the Fair Credit Reporting Act ( FCRA ), as identical data should produce identical results across the bureaus when furnished accurately and lawfully. 

Pattern of Repeated Noncompliance The same inaccurate tradeline and late codes were the subject of CFPB Case Numbers XXXX, XXXX, and XXXX, where the CFPB confirmed deletions and corrections by Equifax. Despite this prior intervention, the same erroneous data has reappeared. 

This pattern of re-reporting deleted and unverified negative data demonstrates a willful and reckless disregard for compliance, violating : FCRA 1681e ( b ) failure to maintain maximum possible accuracy ; FCRA 1681i ( a ) ( 1 ) ( A ) failure to perform a reasonable reinvestigation ; and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) knowingly furnishing inaccurate information after notice of dispute.

Furthermore, the accounts payment history for XXXX shows only on-time payments and no missed payments, making the existence of any XXXX late code mathematically impossible. Yet both Equifax and Experian continue to display such codes LATE PAYMENT EQ LATE PAYMENT EX.

Billing Error Under Truth in Lending Act Under 15 U.S.C. 1666 ( b ) ( 4 ) ( 5 ), the creditor failed to accurately reflect payments and issued erroneous statements that were never properly billed 21 days prior. This meets the statutory definition of a billing error. As such, the late payment entries represent a prohibited misclassification of billing data, not a legitimate delinquency.

I have demanded documented proofsuch as the creditors internal payment ledger or billing statementdemonstrating any missed payment, and none has been produced by XXXX XXXX or the credit bureaus.

Cross-Bureau Contradictions Equifax and Experian report the account with a late payment notation despite a {$0.00} balance.

TransUnion, however, reports the same account as current and paid as agreed. 

This cross-bureau conflict constitutes a XXXX XXXX violation, as data furnishers are required to ensure uniformity in account status, balance, and payment history fields across all CRAs. 

Related Accounts Also Affected Two additional XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX ( Auto Loan # XXXXXXXX XXXX XXXX XXXX XXXX XXXX reflect the same pattern of inconsistent reporting : XXXX XXXX  : Equifax/Experian show derogatory or deleted status ; TransUnion reports it as positive LATE PAYMENT EX.

XXXX XXXX : Equifax correctly lists it as paid/ current / {$0.00} balance, while Experian and TransUnion continue to report false late codes LATE XXXX XXXX. 

These inconsistencies violate FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), and also constitute a systemic failure by the furnishers to adhere to XXXX XXXX data accuracy and consistency standards. 

Relief Requested I respectfully request that the CFPB investigate Equifax, Experian, and TransUnion for willful violations of : FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681n, and 15 U.S.C. 1666 ( b ) ( billing error provisions ).

Requested Remedies : Permanent deletion of all XXXX, XXXX, and XXXX late payment codes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX 

Uniform correction of all account statuses to Paid as Agreed / Current / Positive.

Bureau-furnished Method of Verification identifying documentation relied upon for prior negative reporting. 

Confirmation that XXXX XXXX compliance protocols will be enforced going forward. 

Supporting Documentation Attached are dispute copies sent to all three CRAs dated XX/XX/year>, detailing each tradeline discrepancy and citing relevant CFPB case numbers and statutory violations.

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