Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This comlaint serves as my third formal dispute concerning the inaccurate and misleading reporting of my XXXX XXXX XXXX account, number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, currently shown as Late Closed with a {$0.00} balance. Despite my prior disputes, this information continues to appear on my credit reports across all three bureaus, even though it is inconsistent with the factual history of the account. 
This entry is inaccurate and unverifiable, as there is no remaining balance owed, and the account was closed in good standing. Reporting it as late after it was paid and closed misrepresents my payment behavior and violates federal law. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all data in consumer reports is accurate, complete, and verifiable. 
Specifically, under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), you must maintain the maximum possible accuracy of the information you report. Continuing to display a late notation on an account with a zero balance does not meet this standard. Additionally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires you to conduct a full reinvestigation whenever a consumer disputes an item on their file to verify its accuracy.

Furnishers of information, such as the creditor in this case, are also prohibited under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) from reporting data they know or have reasonable cause to believe is inaccurate. If they later discover the information is unverifiable or incomplete, FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) mandates that they promptly correct or delete it.

Moreover, under FCRA 605B 15 U.S.C. 1681c-2, consumers have the right to have any inaccurate or unverifiable account blocked or permanently deleted from their report. Since this Late Closed notation can not be verified as accurate, I am exercising that right and requesting permanent removal, not correction. 
This is my third formal dispute concerning unauthorized and unlawful inquiries that continue to appear on my credit report. Despite my previous requests for removal, these inquiries have not been deleted. I am demanding permanent removal under my rights protected by the Fair Credit Reporting Act ( FCRA ). 
The following unauthorized inquiries were made without my consent or any permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these entities to access my credit file, nor did I initiate any credit applications or transactions that would justify their inquiries. Under FCRA 604 ( a ) and 604 ( f ) 15 U.S.C. 1681b ( a ) and ( f ), a credit bureau may only furnish a consumer report to a party with a legally permissible purpose. Any access without my authorization constitutes a violation of federal law.

Additionally, FCRA 605B 15 U.S.C. 1681c-2 grants me the right to block and delete information resulting from unauthorized or fraudulent access. The continued presence of these inquiries after prior disputes violates my right to accurate reporting and reasonable reinvestigation under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ).

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