Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Creditor : XXXX XXXX XXXX Account Type : Auto Loan Account Status : Open Balance : {$17000.00} Last Payment Date : XX/XX/2024 Late Payments Reported : 3 late payments ( last reported in XX/XX/2024 ) III. Inaccurate and Inconsistent Reporting Across Credit Bureaus The most concerning issue is that the late payments on this account are being reported differently across the three major credit bureaus : Experian is reporting 3 late payments ( with a 30-day delinquency ). 
XXXX reports the same late payments but lists them as a 60-day delinquency. 
XXXX shows the account as open with no late payments, though the other bureaus report late payments. 
This discrepancy in reporting is a violation of the FCRA, which requires accuracy and consistency in the information shared across all credit reporting agencies. The inconsistencies in the way this account is being reported suggest that either : There is an error in the reporting by XXXX XXXX XXXX, or The credit bureaus are not performing their duty to ensure accurate and consistent reporting. 
Such discrepancies can have a negative impact on my credit score and can mislead potential lenders. It is unlawful for one account to be reported in such different manners across credit agencies, as all credit reporting agencies must report accurate and consistent information. 

IV. Dispute Summary and Violation of Rights I dispute the late payments reported for this account on the basis of the following violations of my rights under the FCRA : FCRA Section 1681e ( b ) Accuracy of Information Violation : The account is being reported inaccurately and inconsistently across the credit bureaus. This inconsistency violates the FCRA 's requirement that information on a consumer 's credit report must be accurate and consistent. 
FCRA Section 1681i Disputes and Investigations Violation : I have disputed these late payments with all three credit bureaus multiple times, but they have failed to adequately investigate the matter and update or correct the information. The FCRA Section 1681i mandates that credit bureaus must investigate disputes and correct inaccuracies if the information is found to be incorrect. 
FCRA Section 1681s-2 ( b ) Duties of Furnishers of Information Violation : XXXX XXXX XXXX XXXX as the furnisher of information, failed to conduct a reasonable investigation into my dispute and did not report accurate and consistent information across all bureaus. FCRA Section 1681s-2 ( b ) requires furnishers of information to ensure that the data they report is accurate and consistent.

FCRA Section 1681c Time Limitations on Reporting Violation : If these late payments were inaccurately reported or occurred due to processing errors, they may no longer legally be reportable under FCRA Section 1681c, which limits the time a negative item can remain on a credit report to 7 years. 
CFPB Oversight Enforcing Consumer Protections Violation : The CFPB is responsible for enforcing the FCRA, and I request that the Bureau investigate this matter. The inconsistencies in reporting across the credit bureaus violate my rights under the FCRA and should be rectified.

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