Consumer complaint received 2025-04-22 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 filing this complaint due to multiple unresolved credit reporting issues with Experian Despite sending five separate dispute letters between XXXX and XXXX I have not received a satisfactory resolution. 

There are two main issues : Inaccurate Late Payment One of my accounts, XXXX XXXX, is showing a late payment reported in XXXX which is inaccurate. I never made a late payment during that time. I requested the credit bureau to verify this entry and provide documentation proving its accuracy. They failed to respond with any valid verification or remove the inaccurate data. 

At first, I noticed that all three credit bureaus Experian, XXXX and XXXX  were reporting different dates for the same alleged missed payment on one of my accounts. 

Experian reported the missed payment as occurring in XX/XX/year> XXXX listed it in XX/XX/year> XXXX  showed XX/XX/year> However, I have never missed a payment, and my payment history should be reported as fully on time. 

I submitted a formal dispute with each bureau pointing out this inconsistency and inaccuracy. I did not receive a meaningful response or any documentation confirming that a proper investigation was conducted. 

After that, I sent additional letters highlighting other reporting errors, such as incorrect " Date Last Reported '' entries. Despite providing clear evidence and requesting corrections, the accounts in question were marked as verified as accurate without explanation. 

I then submitted a request for proof of the bureaus investigation and verification process, but I received no documents or supporting information in return. 

At this point, I am seeking assistance to ensure that : The inaccurate late payment history is removed, All incorrect reporting dates are corrected, And that I receive verification and documentation of any investigation that took place. 
Thank you for your help in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ).

Incorrect Account XXXX XXXX  XXXX The issue I am reporting relates to inaccurate late payment history being reported after the account was closed. 

I have requested that this account be corrected or removed from my credit report if it can not be properly verified. As of now, I have not received a valid response or resolution. 

I am requesting the CFPBs assistance to compel the bureau to : Remove the inaccurate late payment from XXXX XXXX Delete the negative account from XXXX XXXX XXXX I'm attaching all my letters that were sent to Experian with requests of proof off their investigation and removing my late payment and negative account. I'm also attaching all receipts as a proof that all letters were sent with certified mails by XXXX to each credit bureau.

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