Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dispute of Inaccurate Information XXXX XXXX Mortgage Account Account Number : XXXX Creditor Name : XXXX XXXX Account Type : FHA Real Estate Mortgage  I am writing to formally dispute the inaccurate information related to my mortgage account with XXXX XXXX , account number XXXX. Specifically, I am disputing the Late 120 Days and Late 90 Days entries reported on TransUnion and Experian. These late payment statuses are inaccurate and do not reflect my actual payment history for this account. 
Account Details : Account Type : FHA Real Estate Mortgage Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ) Account Status : Open Balance : {$370000.00} Monthly Payment : {$3200.00} Payment Status : Currently reported as Current on all bureaus. 
Last Payment Date : XX/XX/XXXX ( all bureaus ) Inaccuracies : 1. Erroneous Late Payment Reporting : o Both TransUnion and Experian report this account as " Late 120 Days '' and " Late 90 Days '' in past months, which is inaccurate. My payments have been timely, and there is no legitimate reason for these late payment statuses to appear on my credit report. 
o The status should reflect Current and should show no late payments, as the account balance is paid on time each month. 
2. Inconsistent Payment History : o The two-year payment history shown on the credit reports incorrectly reports payment delinquencies. As per the details provided by XXXX XXXX, I have made my payments consistently and timely, with no late payments for the stated periods. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date records. The erroneous reporting of a late payment is harmful and violates the FCRA. According to 15 U.S.C. 1681e ( b ), a consumers credit report must be accurate and complete, and inaccurate entries must be corrected within the statutory time frame. 
Additionally, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate and correct any errors or discrepancies within 30 days of receiving a dispute. 
1. Immediate Investigation : o Please investigate the incorrect late payment statuses and correct them by removing the inaccurate Late 120 Days and Late 90 Days entries from the credit reports. 
2. Correct Payment History : o Correct the payment history on my credit reports to reflect that the account has been in good standing, with all payments made on time and accurately reflected as Current without any late payment entries. 
3. Provide Written Report : o After completing the investigation, please provide me with a written report detailing the findings and the corrections made to my credit report. 
4. Remove the Discrepancy : o If this dispute is not resolved within the 30-day period prescribed by the FCRA, I will be forced to take further action, including submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action if necessary. 
Request for Compensation : Due to the emotional distress and financial harm caused by the misreporting of late payments, I am requesting a fair compensation for the inconvenience caused by this inaccurate reporting. 
I trust that this issue will be resolved promptly and professionally. Should you require any additional documentation or information, please let me know. 

Dispute of Inaccurate Information - XXXX XXXX Account Account Number : XXXX Creditor Name : XXXX XXXX  Account Type : Auto Loan I am writing to formally dispute the inaccurate information regarding the XXXX  XXXX auto loan account, account number XXXX, which has been incorrectly reported with a Late 60 Days status across all three credit bureaus ( TransUnion, Experian, and Equifax ) . This late payment status is incorrect and does not reflect my actual payment history for the account. 
Account Details : Account Type : Installment Auto Loan Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian and Equifax ) Account Status : Closed, Paid Balance : {$0.00} Monthly Payment : {$0.00} Last Payment Date : XX/XX/XXXX ( all bureaus ) Payment Status : " Late 60 Days '' on all bureaus ( TransUnion, Experian, and Equifax ) Inaccuracies : 1. Erroneous Late Payment Status : o The Late 60 Days status that appears on all three credit reports is incorrect. This account was paid in full and closed without any late payments. 
o As per the terms of the agreement, no late payment occurred on this account, and it should not be reported as Late 60 Days. 
2. Closed and Paid Status : o Both the comments and the account status correctly reflect that the account was closed and paid, however, the Late 60 Days payment status should not be associated with a closed and paid account. 
3. Date of Last Active vs. Last Payment : o The date of last active is incorrectly reported as XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( Experian ). These dates are inconsistent with the last payment made, which occurred on XX/XX/XXXX across all bureaus. This inconsistency should be corrected, and the status should accurately reflect the closed/paid status with no late payments. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must maintain accurate, complete, and verifiable information. The erroneous reporting of a late payment violates the FCRA and is harmful to my credit score. Specifically, according to 15 U.S.C. 1681e ( b ), the information provided must be accurate and complete. Inaccurate entries must be corrected within 30 days of the dispute under 15 U.S.C. 1681i ( a ). 
1. Immediate Investigation : o I request that an immediate investigation be conducted into the erroneous reporting of the " Late 60 Days '' status. This status is inaccurate, and if it can not be verified, it should be removed from all three credit reports. 
2. Correction of Payment History : o Correct the payment status on all three credit bureaus to reflect that the account was paid in full and closed with no late payments. The Late 60 Days status must be removed immediately. 
3. Written Report : o Upon completion of the investigation, please provide a written report outlining the findings and any changes made to my credit report. 
Request for Compensation : Due to the continued reporting of inaccurate information and the subsequent negative impact on my credit score, I respectfully request fair compensation for the emotional distress and financial harm caused by the misreporting. 
I trust that this issue will be resolved in a timely and professional manner. 

Dispute of Inaccurate Information - XXXX  Account Account Number : XXXX Creditor Name : XXXX Account Type : Revolving ( Charge Account ) I am writing to formally dispute the inaccurate information regarding my XXXX account, account number XXXX, which has been incorrectly reported with a Late 90 Days status on Experian. This entry is inaccurate and does not reflect the true payment history of the account. I respectfully request an immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Type : Revolving Charge Account Date Opened : XX/XX/XXXX ( TransUnion  ), XX/XX/XXXX ( Experian and Equifax ) Account Status : Paid, Closed Due to Inactivity Balance : {$0.00} Monthly Payment : {$0.00} High Credit : {$1100.00} ( TransUnion and Experian ), {$800.00} ( Equifax ) Credit Limit : {$800.00} Date of Last Payment : XX/XX/XXXX ( all bureaus ) Inaccuracies : 1. Erroneous Late Payment Status ( Experian ) : o The account has been reported as " Late 90 Days '' on Experian, which is incorrect. The account was paid off and closed due to inactivity, and there have been no late payments associated with this account. This erroneous late status is damaging to my credit profile and violates the Fair Credit Reporting Act ( FCRA ), which mandates that all credit information reported must be accurate, complete, and verifiable. 
2. Account Closure Due to Inactivity : o The account was closed by the credit grantor due to inactivity, as noted in the comments. The Late 90 Days status is inconsistent with the account 's closed and paid status. This is a direct violation of FCRA requirements. 
3. Discrepancies in Reporting : o TransUnion and Equifax have correctly reported the account as " Current '' and reflect the correct status of the account, which was paid off and closed. The " Late 90 Days '' status on Experian contradicts the information reported by the other bureaus, further emphasizing the need for correction. 
Legal Basis for Dispute : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), all information provided to the credit bureaus must be accurate and complete. Additionally, 15 U.S.C. 1681i ( a ) mandates that the credit bureaus must investigate any disputed information and correct or delete inaccuracies within 30 days of the dispute 's receipt. Failure to do so would constitute a violation of my rights under the FCRA. 
1. Immediate Investigation : o I request that an immediate investigation be conducted to verify the " Late 90 Days '' status reported on Experian. This status is clearly inaccurate and must be corrected or removed. 
2. Correction of Payment Status : o Correct the payment status across all three bureaus to accurately reflect that the account was paid in full and closed due to inactivity, with no late payments reported. The " Late 90 Days '' status on Experian must be removed. 
3. Written Confirmation : o Upon completion of your investigation, I request a written confirmation detailing the actions taken to rectify the inaccuracies and the results of the investigation. 
4. Further Legal Action : o If I do not receive a satisfactory resolution within the required 30-day period Dispute of Inaccurate Information - XXXX  Mortgage Account Account Number : XXXX Creditor Name : XXXX Account Type : FHA Real Estate Mortgage I am writing to formally dispute the inaccuracies related to my XXXX mortgage account, account number XXXX . Specifically, I am disputing the Late 60 Days payment status reported by TransUnion and Equifax, which is not an accurate reflection of the account 's history. The account was transferred to another lender, and the reported late payments do not align with the true account status. 
Account Details : Account Type : FHA Real Estate Mortgage Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian and Equifax ) Account Status : Transferred to Another Lender Balance : {$0.00} Monthly Payment : {$0.00} High Credit : {$470000.00} ( all bureaus ) Credit Limit : {$0.00} Date of Last Payment : XX/XX/XXXX ( XXXXransUnion and Experian ), XX/XX/XXXX ( Equifax ) Inaccuracies Noted : 1. Inaccurate Payment Status ( Late 60 Days ) on TransUnion and Equifax : o TransUnion and Equifax have incorrectly reported this account as " Late 60 Days '', even though the account was transferred to another lender, as indicated in the comments on all three credit reports. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and reflective of the true account status. The payment history should reflect that the account was current at the time of transfer and not late. 
2. Account Transfer : o As noted in the comments on all three credit reports, the account was transferred to another lender or purchased by a third-party entity. The reporting of a " Late 60 Days '' status on this account is highly misleading and incorrect because the account was no longer under the original creditors control at the time the payments were due. 
3. Discrepancy in Last Active Dates : o TransUnion and Experian show that the last activity on the account was on XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. This inconsistency should be corrected, as all three bureaus must show the same last active date in accordance with the FCRA. 
4. Late Payment Status on Experian : o Experian has inaccurately reported this account as " Current '', while both TransUnion and Equifax report it as " Late 60 Days ''. Given that this account was transferred to another lender, this inconsistency across credit bureaus needs to be resolved and the " Late 60 Days '' status needs to be removed. 
Legal Basis for Dispute : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. When an account is transferred, it should not continue to reflect the late payment status of the original creditor. Additionally, 15 U.S.C. 1681i ( a ) requires that upon receipt of a dispute, the credit reporting agencies must conduct a reasonable investigation and correct or remove any inaccuracies within 30 days. 
Resolution Request : 1. Immediate Investigation : o Please initiate an investigation to verify that the reported " Late 60 Days '' status on TransUnion and Equifax is inaccurate, and remove it if it can not be verified. 
2. Correction of Payment Status : o Correct the payment status to " Transferred to Another Lender '' or " Paid in Full '' and remove any references to late payment statuses across all three bureaus. 
3. Written Confirmation : o Upon conclusion of your investigation, I request a written confirmation detailing the findings and any modifications made to my credit report. 

Subject : Dispute of Incorrectly Reported Inquiry XXXX I hope this message finds you well. I am writing to formally dispute the inclusion of an inquiry from XXXX on my credit report. Specifically, the inquiry was recorded on XX/XX/XXXX and was incorrectly reported after it was deleted. I am providing supporting evidence, including documentation proving that this inquiry was previously deleted, to demonstrate that it should not be present on my credit report. 
Account Details : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion Discrepancy : Inquiry Status : The inquiry in question has been deleted, yet it still appears on my credit report. As this inquiry was deleted in accordance with the relevant terms and conditions, its continued presence on my credit report is an error. 
Supporting Documentation : I am attaching proof that this inquiry was deleted, including any relevant correspondence and deletion confirmation. 
Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate, and once an inquiry is deleted, it should no longer appear on the credit report. Section 1681i of the FCRA outlines the procedure for disputes regarding inaccurate or outdated information, requiring that credit bureaus investigate and resolve disputes within 30 days of receipt. 
I request that you immediately remove this inaccurate inquiry from my credit report to ensure that it reflects accurate and up-to-date information. 
Resolution Request : Please conduct an investigation into this matter and confirm that the deleted inquiry is removed from my credit report. 
Once the error is corrected, please provide me with a written confirmation of the changes made to my credit report. 

Subject : Dispute of Incorrect Inquiry XXXX  ( XX/XX/XXXX ) I am writing to formally dispute an inaccurate inquiry from XXXX that appears on my credit report. The inquiry, recorded on XX/XX/XXXX, is incorrect and must be deleted from my report. 
Account Details : Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion Discrepancy : Inquiry Status : This inquiry was made in error and should not appear on my credit report. It violates the Fair Credit Reporting Act ( FCRA ) guidelines that mandate all information reported to be accurate and timely. 
Supporting Evidence : [ Attach proof or mention any confirmation of deletion or any other supporting document you have ]. 
Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), all information on a consumers credit report must be accurate. If information is found to be inaccurate or outdated, it must be corrected or removed. In this case, since this inquiry is inaccurate and has already been deleted, it should no longer be reported. 
Specifically, I request that you remove the XXXX inquiry from my credit report immediately and update it to reflect accurate information. If the inquiry can not be verified or substantiated, it is your responsibility under FCRA section 1681i to ensure it is removed from my credit report within the statutory period. 
Resolution Request : 1. Please initiate a formal investigation into this matter and delete the XXXX inquiry dated XX/XX/XXXX from my credit report if it can not be verified. 
2. Once the inquiry is removed, kindly provide written confirmation of the deletion. 
If this issue is not resolved within the required 30-day period

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