Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
I am writing to formally request an immediate investigation into an inaccurate late payment reported on my Experian credit report for the account " XXXX XXXX XXXX  '' ( Account Number : XXXX ). This erroneous reporting has caused significant harm to my credit profile, and I demand that Experian correct this error promptly and ensure all consumer reporting agencies reflect the accurate payment history. 

Upon reviewing my Experian credit report ( dated XX/XX/XXXX ), I identified that this account is incorrectly marked as having " 1 late payment. '' Specifically, the report indicates late payments in XX/XX/XXXX, despite my records confirming that I made the required monthly payment of {$48.00} on XX/XX/XXXX, as per the terms of the secured loan ( 24 monthly payments ). My payment history, as shown in the Experian report, confirms consistent on-time payments from XX/XX/XXXX through XX/XX/XXXX, with the exception of the disputed XX/XX/XXXX entry. Additionally, the report shows a " 30 days late '' notation in XX/XX/XXXX, which I also dispute as I have no record of missing that payment. 

I have attached a copy of my Experian credit report highlighting the inaccuracies, as well as my payment records confirming that the XX/XX/XXXX payment was made on time. The current balance on the account is {$610.00} as of XX/XX/XXXX, with an original balance of {$980.00}, and I have paid off 38 % of the loan as reported. This demonstrates my commitment to meeting my financial obligations. 

The inaccurate reporting of late payments is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies like Experian maintain and report accurate information. This error has likely negatively impacted my credit score, potentially affecting my ability to secure favorable credit terms in the future. I hold Experian accountable for failing to verify the accuracy of the information provided by the creditor, XXXX XXXX XXXX, and for not correcting this error despite my prior attempts to resolve the issue. 

I demand the following actions be taken immediately : Investigate the inaccurate late payment entries for XX/XX/XXXX and XX/XX/XXXX on the XXXX XXXX BA account. 
Correct the credit report to reflect that all payments were made on time, removing the " 1 late payment '' and " 30 days late '' notations. 
Notify all other consumer reporting agencies ( XXXX and XXXX ) of the correction to ensure consistency across my credit files. 
Provide me with a written confirmation of the correction and an updated credit report. 
I expect a response and resolution within the 30-day timeframe mandated by the FCRA. Failure to address this matter promptly will leave me no choice but to escalate this issue further, including seeking legal recourse for the damages caused by this inaccurate reporting. I have also attached my Experian credit report and payment records for your reference. 

Thank you for your immediate attention to this serious matter.

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