Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am submitting this complaint to address multiple inaccurate and damaging late payment notations currently appearing on my Experian and XXXX credit reports, all tied to different XXXX. XXXX XXXXXXXX accounts. These derogatory entries are being reported as late despite the fact that each account shows a past due balance of {$0.00}. The dates of these so-called delinquencies span from XXXX to XXXX, yet the balances are fully resolved and closed, with no outstanding delinquency. These entries are not only outdated and unverifiable they are flat-out wrong and in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Here are the specific accounts in dispute : A late payment is being reported on XXXXXXXX XXXX XXXXXXXX account ending in XXXX, with a date of XX/XX/XXXX, even though the past due balance is {$0.00}. This entry appears twice, with identical account numbers and dates, and neither should exist. The loan is not delinquent. It has been resolved for over a decade, yet Experian and XXXX  continue to misrepresent my payment history in a way that is factually incorrect and materially harmful. 

On a separate XXXXXXXX XXXX XXXXXXXX account ending in XXXX, both Experian and XXXX  are reporting a late payment from XX/XX/XXXX, also showing a past due amount of {$0.00}. Again, the account is not delinquent and hasnt been for many years. There is no justification for publishing this derogatory payment status, particularly when there is no unpaid balance, and no documentation has been presented to validate the accuracy of the entry. The duplicate reporting of this same error on both bureaus and under the same account number compounds the damage to my file. 

A third account XXXXXXXX XXXX XXXXXXXX ending XXXX XXXX is also showing a late payment dated XX/XX/XXXX, with a past due balance of {$0.00}. This entry, too, appears twice under both Experian and XXXX The account was resolved, closed, and holds no active delinquency. Yet, for reasons never explained or documented, these bureaus continue to damage my credit profile by reporting a negative payment status that is not supported by any actual balance or verified delinquency. 

To be clear, I am not alleging fraud, nor do I authorize the placement of a fraud alert. These errors are not the result of identity theft or misuse they are the result of poor data maintenance, outdated furnishing practices, and XXXX  and Experians failure to ensure compliance with federal law. The presence of these derogatory marks on my credit profile long after the accounts have been resolved and with no past due balance directly violates both 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i, which mandates proper reinvestigation when an error is disputed. 

Despite the fact that these accounts have XXXX past due balances, the continued reporting of delinquencies harms my ability to qualify for new credit, housing, or favorable terms even though there is no justifiable basis for these negative marks to exist at all.

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