Consumer complaint received 2025-08-28 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: NC

Complaint narrative:
On XX/XX/scrub>, 2025, my creditor, XXXX XXXX XXXX XXXX, issued a formal letter confirming that they approved the deletion of a single late payment reported on my credit file. In a follow-up email, XXXX confirmed that the deletion would be reflected in their next reporting cycle ( likely XXXX ). They further stated that if I disputed the late payment with the credit bureaus, they would verify to the bureaus that the account should be updated to remove the late payment.

Following this instruction, I disputed the late payment with all three credit bureaus, including Experian, and attached the written proof from XXXX XXXX. 

On XX/XX/scrub> 2025, Experian denied the dispute under Report # XXXX, claiming : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute.

Violations by Experian Failure to Conduct a Reasonable Investigation Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), Experian is required to conduct a full and reasonable investigation of consumer disputes.

Experians denial occurred in less than 7 days, which strongly suggests they did not meaningfully review the evidence I provided ( the creditors signed deletion letter ) but instead relied solely on the automated E-Oscar response process.

Failure to Consider Direct Evidence I submitted written documentation from the furnisher ( XXXX XXXX ) confirming deletion was approved. Experian ignored this material evidence, which violates the FCRA requirement to consider all relevant information provided by the consumer.

Willful Negligence By disregarding verified documentation and rushing a dispute resolution without proper review, Experian acted with willful negligence. Their failure has caused direct and ongoing harm to my credit profile.

Harm Caused Experians unlawful handling of my dispute is materially harming me by : Continuing to report inaccurate derogatory information.

Lowering my credit score despite clear proof from the creditor that the late payment should be removed.

Causing unnecessary delay in restoring the accuracy of my credit history.

Requested Resolution I request that the CFPB hold Experian accountable for violating the Fair Credit Reporting Act and require them to : Immediately remove the late payment from my Experian credit file in accordance with the documentation provided by XXXX XXXX XXXX XXXX. 

Implement corrective measures to ensure that future disputes are reviewed in compliance with the FCRA, and that evidence submitted by consumers is properly evaluated.

Consider fines or penalties against Experian for repeated reliance on automated E-Oscar verification instead of conducting a legally compliant investigation.

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