Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am filing a formal dispute regarding inaccurate and improperly furnished information on my Experian credit report. Experian is reporting late payments and past-due balances on the following accounts : XXXX XXXX account ending : XXXX XXXX XXXX XXXX XXXX account : XXXX These late payments and past-due amounts are inaccurate and not properly substantiated. Under 15 USC 1666b, a creditor can not report a payment as late unless billing statements were properly provided at least 21 days before the due date. I dispute that proper billing and notice occurred.

Additionally, under 15 USC 1681b ( a ) ( 2 ), a credit reporting agency can not furnish information without written authorization. I have requested proof validating permissible purpose and my written consent to furnish the reported information. 
Experian is also reporting hard inquiries from third-party lenders ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that I do not recognize as authorized. I request the signed written authorization required by law. Any inquiry that can not be verified must be removed. 

I am disputing inaccurate and improperly furnished information appearing on my Equifax credit report. Equifax is reporting late payments and past-due balances on the following accounts : XXXX XXXX account ending : XXXX XXXX XXXX XXXX XXXX account : XXXX These delinquency reports are inaccurate. Under 15 USC 1666b, late payment reporting requires proper billing notice, including delivery of statements at least 21 days before the due date. I dispute that these notice requirements were met. 
Under 15 USC 1681b ( a ) ( 2 ), a credit reporting agency may not furnish a consumer report without written authorization. I request proof that Equifax obtained and validated written authority from the data furnishers to report these delinquencies. 
Equifax also shows hard inquiries ( XXXX XXXX and XXXX XXXX on XX/XX/year> ) that I do not recognize as authorized. I request proof of permissible purpose and signed authorization. 

I am filing a dispute regarding inaccurate delinquency reporting and unauthorized inquiries on my TransUnion credit report. TransUnion is reporting late payments and past-due amounts on the following accounts : XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX account : XXXX These delinquencies are inaccurate. Under 15 USC 1666b, a creditor can not report a payment as late unless proper billing procedures and timing requirements were followed. I dispute that proper notice requirements were met. 
TransUnion is also reporting hard inquiries I do not recognize as authorized, including : Upgrade XX/XX/year> XXXX XXXX XX/XX/year> Ally Financial XX/XX/year> Under 15 USC 1681b ( a ) ( 2 ), TransUnion may not furnish information without written authorization. I request proof of permissible purpose and signed written consent.

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