Consumer complaint received 2024-12-21 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX XXXX  ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as Current across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 
Details : 1. Account Information : o Account Type : Revolving ( XXXX XXXX Credit Card ). 
o High Credit : XXXX and Experian : {$13000.00}. 
XXXX : {$0.00} ( inaccurate or incomplete ). 
o Credit Limit : {$12000.00} across all bureaus. 
o Balance : {$0.00} across all bureaus. 
XXXX. Payment Status : o Listed as Current across all three credit bureaus. 
XXXX. Late Payments Reported : o XXXX : Reports " 60 days late '' ( XX/XX/XXXX ) and " 30 days late '' ( XX/XX/XXXX ). 
o Experian : Reports " 60 days late '' ( XX/XX/XXXX ) and " 30 days late '' ( XX/XX/XXXX ). 
o XXXX : Reports " 60 days late '' ( XX/XX/XXXX ) and " 30 days late '' ( XX/XX/XXXX ). 
XXXX. Comments and Anomalies : o XXXX and Experian comments are missing critical context. 
o XXXX mentions, " Amount in H/C column is credit limit, '' which doesn't clarify the reason for the reported late payments. 
XXXX. Activity Dates : o Date Last Active : XXXX : XX/XX/XXXX. Experian : XX/XX/XXXX. XXXX : XX/XX/XXXX. 
o Date of Last Payment : XXXX and Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX Discrepancies and Issues : XXXX. Late Payment Reporting Conflict : o The account is marked as Current across all bureaus, yet late payments for XXXX and XX/XX/XXXX are reported. 
o If the account was " Current, '' these late payments are invalid and must be removed. 
XXXX. Inconsistent High Credit : o XXXX reports a High Credit of {$0.00}, which contradicts the reported high credit of {$13000.00} on XXXX and Experian. 
XXXX. Future Reporting Dates : o XXXX and Experian report " Last Reported '' as XX/XX/XXXX, while XXXX lists XX/XX/XXXX. Reporting dates in the future violate the FCRA 's accuracy requirements. 
XXXX. Date Discrepancies : o Date Last Active and Date of Last Payment vary across bureaus, suggesting potential inaccuracies in reporting. 
XXXX. Payment Status Mismatch : o The account status being " Current '' conflicts with the late payments reported for XXXX and XX/XX/XXXX. 
Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.

FCRA Section 607 ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy when reporting consumer information. The reporting of late payments on a current account fails to meet this standard.

FCRA Section 611 ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report and demand a thorough reinvestigation.

FCRA Section 611 ( a ) ( 5 ) : If the information can not be verified as accurate, it must be deleted promptly.

CFPB Standards : The Consumer Financial Protection Bureau mandates that credit bureaus and furnishers maintain fair and accurate reporting practices.

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