Consumer complaint received 2025-01-13 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:
XX/XX/year> Subject : Dispute of Inaccurate Late Payment on Credit Report Request for Correction Dear CFPB, I am submitting this dispute regarding inaccurate late payments reported on my credit file maintained by Experian. The information in question pertains to my account with XXXX and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XX/XX/year> ( XXXX ) and XX/XX/year> ( Experian and XXXX ) are inaccurate. I have consistently made my payments on time, and my account was enrolled in autopay during this period, ensuring no missed payments. 
Discrepancies Identified : XXXX : Reports a 30-day late payment for XX/XX/year>. 
Experian : Reports a 30-day late payment for XX/XX/year>. 
XXXX : Reports a 30-day late payment for XX/XX/year>. 
Credit Limit Discrepancy : XXXX and Experian report a credit limit of {$100.00}, while XXXX shows no credit limit. 
Closed Date : XXXX shows a closed date of XX/XX/year>, while Experian and XXXX do not reflect this information. 
Account Status : All bureaus report the account as closed, but the reported late payments contradict the " current '' payment status.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1681b, 15 USC 1681i, and 15 USC 1681s-2 ). These sections mandate the maximum accuracy of consumer information and require that credit reporting agencies and furnishers correct inaccurate or incomplete information. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The inclusion of false late payment entries may constitute a violation of FDCPA, which protects consumers from misrepresentation of their account information.

Violation of the Truth in Lending Act ( TILA ) : As the reporting practices misrepresent my payment history, they fail to align with TILAs requirement for accuracy in the reporting of credit information.

Additionally, under the FCRA, Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline the civil liabilities for willful and negligent noncompliance. These provisions allow for actual damages, attorneys fees, and punitive damages due to the failure to comply with the Acts requirements.

Account Details : Account Name XXXX XXXX  Account Number : XXXX High Balance : {$100.00} ( XXXX, Experian ), {$100.00} ( XXXX ) Date Opened : XX/XX/year> ( XXXX ), XX/XX/year> ( Experian and XXXX ) Balance Owed : {$14.00} Late Payment Dates : XX/XX/year> ( XXXX ) and XX/XX/year> ( Experian and XXXX ) Credit Limit Discrepancy : {$100.00} reported by XXXX and Experian , not reported by XXXX. 
Two-Year Payment History Discrepancies : XXXX : Reports a 30-day late payment for XX/XX/year> despite the account being closed and marked as " current. '' Experian : Reports a 30-day late payment for XX/XX/year>. 
XXXX : Reports a 30-day late payment for XX/XX/year> despite the account being closed and marked as " current. '' Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment entries for the months of XX/XX/year> ( XXXX ) and XX/XX/year> ( Experian and XXXX ) from my credit report. These entries are false and misrepresent my true payment history. 
Please update my credit report to reflect my 100 % on-time payment history. I expect written confirmation of the correction within 30 days of the receipt of this dispute.

Failure to resolve this matter may result in further action to protect my rights as a consumer under applicable federal laws.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX 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