Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payment Reporting Request for Deletion Re : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the accuracy of a XXXX late payment reported on my XXXX XXXX XXXX account. This account was paid in full and closed in XX/XX/XXXX, and currently shows a {$0.00} balance and {$0.00} past due amount across all credit bureaus. Despite that, a XXXX late payment is being reported for XX/XX/XXXX. 

This derogatory mark appears to be inaccurate and inconsistent with the reported status of the account, which is marked as XXXX, XXXX, and XXXX. Additionally, the late payment is an isolated incident in an otherwise perfect payment history, which may indicate a reporting or system error. 

Furthermore, there is a reporting inconsistency among the credit bureaus. While TransUnion and Experian last reported the account in XX/XX/XXXX, Equifax shows continued reporting into XXXX XXXX the account being closed. This raises concerns about data accuracy and proper closure handling. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this late payment be investigated and removed from my credit file if it can not be fully verified and corrected across all credit bureaus. 

Please provide a written response confirming the outcome of your reinvestigation. If additional information is needed, I am available to assist. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Reporting Request for Deletion Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian, I am writing to dispute the accuracy of a XXXX late payment reported on my XXXX XXXX XXXX  account. This account was paid in full and closed in XX/XX/XXXX, and currently shows a {$0.00} balance and {$0.00} past due amount across all credit bureaus. Despite that, a XXXX late payment is being reported for XX/XX/XXXX. 

This derogatory mark appears to be inaccurate and inconsistent with the reported status of the account, which is marked as Current, Closed, and Paid. Additionally, the late payment is an isolated incident in an otherwise perfect payment history, which may indicate a reporting or system error. 

Furthermore, there is a reporting inconsistency among the credit bureaus. While TransUnion and Experian last reported the account in XX/XX/XXXX, Equifax shows continued reporting into XXXX XXXX the account being closed. This raises concerns about data accuracy and proper closure handling. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this late payment be investigated and removed from my credit file if it can not be fully verified and corrected across all credit bureaus. 

Please provide a written response confirming the outcome of your reinvestigation. If additional information is needed, I am available to assist. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting Request for Deletion Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to dispute the accuracy of a XXXX late payment reported on my XXXX XXXX XXXX  account. This account was paid in full and closed in XX/XX/XXXX, and currently shows a {$0.00} balance and {$0.00} past due amount across all credit bureaus. Despite that, a XXXX late payment is being reported for XX/XX/XXXX. 

This derogatory mark appears to be inaccurate and inconsistent with the reported status of the account, which is marked as Current, Closed, and Paid. Additionally, the late payment is an isolated incident in an otherwise perfect payment history, which may indicate a reporting or system error. 

Furthermore, there is a reporting inconsistency among the credit bureaus. While TransUnion and Experian last reported the account in XX/XX/XXXX, Equifax shows continued reporting into XXXX XXXX the account being closed. This raises concerns about data accuracy and proper closure handling. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this late payment be investigated and removed from my credit file if it can not be fully verified and corrected across all credit bureaus. 

Please provide a written response confirming the outcome of your reinvestigation. If additional information is needed, I am available to assist. 


Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----

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