Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion regarding the inaccurate reporting of late payments on my consumer credit reports. The following accounts are being misreported : XXXX XXXX XXXX XXXX Balance : {$560000.00} XXXX BANK XXXX XXXX Balance : {$620.00} XXXX & XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Both accounts show late payments that are factually incorrect, unverifiable, or reported beyond what is legally permissible. The negative payment history reflected on my reports does not align with the actual payment history or contractual obligations. I have repeatedly disputed these errors, yet the credit bureaus and furnishers continue to report inaccurate information, harming my credit profile and violating multiple federal consumer protection laws. 
Violations of Federal Law Fair Credit Billing Act 15 U.S.C. XXXXb : This statute governs the timing of credit card payments and how they are credited. Creditors and furnishers must accurately report payment dates. Any misreporting of payment history including showing late payments where none occurred violates this provision. 
Gramm-Leach-Bliley Act 15 U.S.C. XXXX : This law restricts the sharing of nonpublic personal information. Reporting false or inaccurate payment data to third-party credit bureaus constitutes unauthorized disclosure of misleading consumer data. 
Fair Credit Reporting Act 15 U.S.C. XXXX ( i ) ( XXXX ) ( A ) : The FCRA requires consumer reporting agencies to include only accurate and verifiable information in credit reports. Persisting in publishing false late-payment data after a consumer dispute violates this standard. 
FCRA 15 U.S.C. XXXX : Furnishers of information have a legal duty to report information accurately and to correct errors when notified. The furnishers in this case failed to conduct a reasonable investigation or correct the misreported late-payment history after multiple disputes. 
FCRA 15 U.S.C. XXXX and XXXX ( b ) : Credit reporting agencies must reinvestigate disputed information and follow reasonable procedures to assure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates a failure to comply with these obligations. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXX ), the court held that credit reporting agencies can not merely rely on a furnishers response when a consumer disputes information. They must conduct an independent investigation to verify the data. The continued reporting of these erroneous late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a violation of the FCRA.

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