Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute two errors that have appeared on my credit report, specifically related to XXXXXXXX  and XXXX XXXX accounts. I request that these discrepancies be thoroughly investigated and corrected, as they have negatively impacted my creditworthiness. The first account I would like to address is listed under XXXXXXXX with account number XXXXXXXX XXXX XXXX, reporting a balance owed of {$0.00}, date opened on XX/XX/XXXX, and a last payment date of XX/XX/XXXX, while also showing a late payment status of 180 days. I have reviewed my records and found this to be inaccurate. The account, in fact, has been fully paid off and settled well before the reported last payment date, and as such, should not show any late payments or remaining balance. Moreover, the reported late status of 180 days is simply incorrect. As of XX/XX/XXXX, this account had already been resolved and closed with no outstanding debt, and no late payments should have been reported. Under Section 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information in a consumers credit report. In this instance, the late payment status and reported balance are in direct violation of the FCRA, as they are both misleading and incorrect. I respectfully request that this error be corrected and that the late payment status be corrected immediately, as it is an unfair and damaging reflection of my credit history. Secondly, I would like to address an issue with the XXXX XXXX  account, listed under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which shows a balance owed of {$14000.00}, date opened on XX/XX/XXXX, and last payment made on XX/XX/XXXX. I have found this information to be partially accurate but incomplete and misleading. First, while the balance owed is accurate, the last payment date is incorrect. According to my records, the last payment I made was not on XX/XX/XXXX, as reported. Instead, I made payments that were applied earlier than that, and the account was in good standing with no missed payments. The incorrect last payment date creates confusion about the status of the account and implies that I made no effort to stay current on my payments when in fact I did. This misreporting falls under Section 1681c of the FCRA, which ensures that the credit reporting agencies only report accurate and verifiable information. The last payment date provided does not reflect the true and correct information, and as such, I request that the payment history be updated to reflect the accurate payment dates. Furthermore, it is crucial that the FCRA Section 1681i be adhered to, requiring that any inaccuracies in reporting be corrected within 30 days upon receipt of the dispute. Therefore, I respectfully request that you amend this entry to reflect the correct payment history and accurate account status. In both cases, the FCRA mandates that any inaccurate or outdated information in a consumer 's credit file be thoroughly investigated and corrected, and the above errors are a clear violation of my rights under this law.

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