Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
INACCURATE : ( XXXX, XXXX, EXPERIAN ) I am writing to formally dispute the inaccurate late payment information that has been reported on my credit reports for the XXXX XXXX XXXX loan account. Despite submitting several rounds of disputes to correct this matter, the inaccurate information continues to persist and has not been properly corrected, which has caused significant harm to my credit score and financial situation. 

Account Details : Account Number : XXXX Account Type : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Balance : {$0.00} Account Status : Closed ( Paid ) Monthly Payment : {$0.00} Payment History Status : " Late 30 Days '' incorrectly reported Errors in Credit Reporting : Despite the account being paid in full and the loan being closed, both XXXX and Experian continue to show the account as being " Late 30 Days ''. This is incorrect, as there have been no late payments on this account. 

XXXX and Experian are incorrectly reporting a late payment, which is harming my credit score. 
XXXX, however, reflects the correct status of the account, with no late payment reported, further highlighting the inaccuracies in the other XXXX bureaus. 
Laws Violated : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( a ) : The FCRA requires credit reports to be accurate and up-to-date. Incorrect late payment information must be removed from credit reports if it can not be verified. 
Section 1681e ( b ) : Credit reporting agencies must ensure the accuracy and completeness of information provided in credit reports. The continued presence of inaccurate information violates this law. 
Regulation Z ( Truth in Lending Act ) : This regulation mandates that creditors report accurate and transparent payment histories. Reporting an inaccurate late payment without valid grounds is a direct violation of this law. 
XXXX XXXX XXXX Consumer Protection Laws : XXXX XXXX XXXXXXXX laws require that creditors follow clear procedures when reporting late payments. The failure to correct this issue is a violation of these state regulations. 
Actions Taken and Requests : I have submitted multiple disputes to XXXX and Experian, but no proper corrections have been made. 
I have requested the removal of incorrect late payments from my credit reports, but no satisfactory response has been provided. 
I request that the following actions be taken immediately : Remove the inaccurate late payment from the credit reports at XXXX and Experian for this account. 
Update the credit reports to reflect that the account was paid in full and closed without any late payments. 
Provide confirmation that this error has been corrected and my credit reports have been updated accordingly. 

Dispute of Incorrect Reporting for XXXX XXXX XXXXXXXX XXXX XXXX Request for Deletion : ( XXXX, XXXX, EXPERIAN ) I am writing to dispute the inaccurate information being reported on my credit report for the XXXX XXXX XXXX XXXX account. The account has been incorrectly reported as having late payments and a balance, even though this account was paid in full and closed, with no outstanding balance. I am requesting that this account be removed entirely from my credit report as it no longer reflects the accurate status of the account. 

Account Details : Account Number : XXXX Account Type : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Account Status : Closed, Paid in Full Balance : {$0.00} Payment Status : Reported as " Late 30 Days '' incorrectly Monthly Payment : {$0.00} Inaccuracies Identified : Late Payments : Despite the account being paid in full and closed, the account is being inaccurately reported as having late payments on Experian and XXXX XXXX with the status showing as Late 30 Days. This is completely incorrect and damaging to my credit profile. 
Account XXXX : The account is erroneously marked as XXXX across multiple bureaus, even though there has been no delinquency or late payment history on the account. 
Laws Violated : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( a ) : Credit reports must be accurate and complete. Under this law, creditors and credit reporting agencies are required to correct or delete information that can not be verified. The continued reporting of incorrect late payments constitutes a violation of my consumer rights.

Section 1681e ( b ) : Credit reporting agencies are required to ensure the accuracy of the information in the credit report. This includes removing any inaccurate or unverifiable data. Since my account has been paid in full and closed, the continued reporting of this information is unlawful. 
Regulation Z ( Truth in Lending Act ) : This regulation mandates that creditors must provide accurate and truthful information regarding loan payments. The incorrect reporting of a late payment on this account violates this regulation, as the payments were never late. 
XXXX XXXX XXXX Consumer Protection Laws : XXXX XXXX XXXX XXXXXXXX requires that creditors follow proper procedures when reporting payment history. The improper reporting of a late payment for a paid-in-full account constitutes a clear violation of XXXX XXXX XXXXXXXX laws XXXX XXXX XXXX. 
Request for Immediate Action : Based on the inaccuracies outlined above, I demand the immediate removal of the XXXX XXXXXXXX XXXX XXXX account from my credit report. The incorrect reporting of this account has caused significant harm to my credit score and financial well-being, and I seek prompt resolution in accordance with the relevant laws. 

I also request that any reference to a XXXX XXXX be completely deleted from my credit reports, as it is not only inaccurate but also misleading. 

If this issue is not resolved promptly, I will take the following actions : Follow up with the Consumer Financial Protection Bureau ( CFPB ), which is already aware of this issue. 
Initiate legal action to seek compensation for the damages caused by the erroneous credit reporting. 
Pursue further legal remedies for violations under the FCRA, XXXX XXXX, and XXXX XXXX XXXX  laws. 

Dispute of Incorrect Information on XXXX Credit Report XXXX for XXXX and Correction of Personal Information : I am writing to formally dispute the incorrect information reflected in my credit report. I have noticed that certain personal details and account information are not accurately represented, and I request that all such inaccurate data be immediately deleted and corrected. 

This is the fourth attempt to resolve this issue, and I have previously provided verified documents such as my identification ( ID ), Social Security Number ( SSN ), and a recent utility bill. Despite following all necessary procedures and providing the required documentation, the errors persist, and they have not been fully corrected. 

Details of the Dispute : Incorrect Personal Information : Some of my personal details, including my name, address, date of birth, and identification number, do not match the official documents I have submitted ( such as my ID, XXXX, and utility bill ). 
I request the immediate removal of all incorrect information and an update of my details in line with the documents I have provided. 
Documents Submitted : I have sent verified documents in previous rounds, including my official ID, XXXX, and a recent utility bill confirming my current address. However, errors continue to appear in my credit report. 
XXXX XXXX of Dispute : This is the fourth time I am submitting this dispute, and I request that, given the time passed and the documents provided, this matter be resolved immediately. 
Applicable Laws : Fair Credit Reporting Act ( FCRA ) : Under Section XXXX ( a ), credit reports must be accurate and complete, and any inaccuracies must be corrected. The continued presence of incorrect data is a direct violation of my rights as a consumer. 
Section XXXX ( b ) : Credit reporting agencies must take reasonable steps to ensure that the information they report is accurate. The failure to correct my information, despite my repeated submissions, constitutes a violation of this provision. 
Regulation Z ( Truth in Lending Act ) : This regulation requires that all information regarding credit accounts be accurate and truthful. The inaccurate reporting of my personal data is a violation of this regulation, which is affecting my ability to access fair financial services. 
XXXX XXXX XXXX  Consumer Protection Laws : XXXX XXXX XXXXXXXX laws require that credit reporting agencies follow clear procedures and timelines when correcting inaccurate personal information. The failure to resolve this issue is a direct violation of the XXXX XXXX XXXX XXXXXXXX XXXX Reporting Law. 
Request for Corrective Action : I request that all incorrect data be immediately removed from my credit report and that my personal details be updated according to the verified documents I have already provided. 
I ask for an urgent review of my credit report and confirmation that all inaccuracies have been corrected. 
Since this is the fourth round of dispute, I urge you to resolve this matter once and for all, in compliance with the laws outlined above. 
I am attaching the verified documents again for your reference and expect this matter to be resolved as soon as possible. If this issue is not resolved in a reasonable time frame, I will take the following actions : Continue following up with the Consumer Financial Protection Bureau ( CFPB ), as this has been an ongoing dispute. 
Initiate legal action if the issue persists, seeking remedies for damages caused by erroneous reporting.

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