Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting Under the FCRA ( 15 U.S.C. 1681 ) Dear Experian I am writing to formally dispute an inaccurately reported late payment on my credit report associated with XXXX XXXX for [ Account Number ]. The reported late payment on [ Date of Late Payment ] is incorrect because [ explain the inaccuracye.g., the payment was made on time, was never due, was misapplied, or resulted from an internal error ]. 
ACCOUNTS DISPUTED. 
XXXX. XXXX XXXX - XXXX - the payment due on XX/XX/XXXX was made on time and the reporting resulted from an internal error XXXX XXXX XXXX XXXX XXXX XXXXXXXX - the payment on XX/XX/XXXX was made on time and the reporting resulted from an internal error XXXX. XXXX XXXX XXXX - XXXX Not my account. Account fraudulently opened. 
XXXX. XXXX - XXXX - the payment due on XXXX and XX/XX/XXXX was made on time and the reporting resulted from an internal error. Please delete XXXX XXXX  - XXXX - the payment due on XXXX XXXXwas made on time and the reporting resulted from an internal error. Please delete. 
XXXX. XXXX XXXX XXXX - XXXX Account reporting multiple discrepancies. Showing No data for XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These are all inaccurate since I paid for my note on those dates. Please remove the account. Secondly the creditor agreed to deletion upon settlement. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - Account reporting multiple discrepancies. There is NO DATA reported for XXXX and XX/XX/XXXX. XXXX XXXX XX/XX/XXXX Shows no XXXX. This is inaccurate. I was paying for child support. 
XXXX XXXX and XXXX XXXX XXXX day late is inaccurate. XXXX XXXX XXXX late payment is inaccurate. Multiple discrepancies. Please remove and delete. 
Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to report only accurate and verifiable information. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must conduct a reasonable reinvestigation of disputed information if a consumer notifies them of an inaccuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If disputed information can not be verified, it must be deleted from the consumers credit file. 
15 U.S.C. 1681e ( b ) : Credit bureaus must maintain procedures to ensure maximum possible accuracy of the information they report. 
Requested Action Given that this late payment has been reported in error, I formally request that you : XXXX. Investigate this dispute and contact the creditor to verify the accuracy of the reported late payment. 
XXXX. Correct or delete the inaccurate late payment entry from my credit report if it can not be verified. 
XXXX. Provide me with written confirmation of the results of your investigation. 
As required by FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), this reinvestigation must be completed within 30 days of receiving this dispute. 
I have enclosed [ list enclosed documents, such as payment receipts, bank statements, or correspondence ] to support my claim. Please update my file accordingly and send me an updated credit report reflecting the corrected information. 
If this matter is not resolved properly, I am prepared to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering legal action under 15 U.S.C. 1681n and 1681o. 
I appreciate your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above. 
Sincerely, XXXX 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