Consumer complaint received 2024-12-11 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: MA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Creditor Reporting Late Payments : XXXX XXXX XXXX Account Number : XXXX Complaint Details : This complaint addresses Experians inaccurate reporting of late payments on my credit report, specifically for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year> under my XXXX XXXX XXXX account ( XXXX ). ** Despite the fact that I made these payments on time, Experian continues to report them as 30 days late. These inaccurate entries have negatively affected my credit score and caused undue financial stress.

Details of the Issue : Timely Payments : I have attached evidence, including payment confirmations and bank statements, proving that my payments for the disputed months were made on or before the due dates. 
Reporting Discrepancies : Both XXXX and XXXX report the same account as " Paid or Paying as Agreed '' with no delinquencies for the disputed periods, highlighting inconsistencies in Experians reporting.

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Ensure Maximum Possible Accuracy ( 15 U.S. Code 1681e ( b ) ) : Experian has a legal obligation to ensure the maximum possible accuracy of the information it reports. The presence of these inaccurate late payments violates this obligation.

Failure to Conduct a Reasonable Reinvestigation ( 15 U.S. Code 1681i ) : Under the FCRA, Experian must conduct a thorough reinvestigation of disputed information. Despite my submission of evidence, Experian has not corrected this inaccuracy.

Impact of Inaccurate Reporting : The erroneous late payment marks have significantly lowered my credit score, limiting my access to financial opportunities and causing unnecessary stress.

Requested Resolution : I am requesting the CFPBs assistance to ensure the following actions are taken : Immediate Removal of Inaccurate Late Payments : Experian should remove the inaccurate late payment entries for XXXX, XXXX, and XX/XX/year> from my credit report. 
Verification or Documentation : If Experian continues to report these late payments as valid, they must provide the following documentation : Billing records for the disputed months.

Proof that delinquency notices were sent to me.

Evidence showing that payments were not made within the agreed terms.

Supporting Documents Enclosed : Payment confirmations for XXXX, XXXX, and XX/XX/year>. 
Bank statements showing timely payments. 
Credit report comparisons highlighting discrepancies between XXXX, XXXX, and Experian. 
Escalation of Complaint : If Experian fails to correct this inaccurate reporting or provide verifiable documentation, I request that the CFPB take further action to ensure compliance with the FCRA.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

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