Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I am submitting this formal complaint against the furnishers listed below for reporting inaccurate late payment information on my consumer credit reports. These entries are false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( A ), 603, 607 ( B ), and 611, which require maximum possible accuracy of information furnished to consumer reporting agencies. 

I am disputing these accounts because I have never made any late payments on these accounts, and the furnishers have failed to provide any valid documentation proving otherwise. I am requesting that these inaccurate late payment markers be corrected immediately to reflect a 100 % on-time payment history. 

Accounts Reporting Wrong Late Payment History ( Correction Requested ) : 1. XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$20.00} Issue : Incorrect late payment reporting. I have never paid late. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} Issue : False late payment history. No late payments were ever made. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Issue : Wrong late payment history reported. 

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Issue : Incorrect late payment reporting. 

5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Issue : Inaccurate late payment claim. 

6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Issue : False late payment reporting. 

7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7100.00} Issue : False late payment reporting.

Violation Summary The furnishers have failed to : Maintain maximum possible accuracy under FCRA Section 607 ( b ) Provide proof of delinquency under FCRA Section 611 Conduct a lawful reinvestigation Provide documentation validating late payments Because these entries are factually inaccurate and damaging, I am requesting CFPB intervention to ensure the furnishers correct these errors.

Requested Resolution I am requesting the following action from CFPB : Require the furnishers to correct the inaccurate late payment information on all accounts listed. 

Update all credit reporting agencies to reflect a perfect on-time payment history for these accounts. 

Provide written confirmation once the inaccurate reporting has been corrected. 

Thank you for your immediate attention to this matter. These false reports are harming my creditworthiness, and I rely on CFPB to ensure consumer protections are upheld.

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