Consumer complaint received 2025-05-08 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: AE

Complaint narrative:
Subject : Ongoing Dispute with XXXX  Over Inaccurate Late Payments Failure to Investigate Despite Multiple Submissions Including Third Attempt Accounts Involved : XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX I am filing this updated complaint against XXXX  for its continued failure to correct inaccurate late payment information reported on my credit report, despite XXXX formal attempts on my part to provide documentation proving that these payments were made on time. 
This is now my second complaint submitted to the CFPB regarding this matter. The initial complaint ( CFPB Complaint # XXXX ), dated XX/XX/XXXX, clearly outlined that I had previously contacted XXXX  and submitted a formal dispute via Certified Mail ( Tracking # XXXX ) on XX/XX/XXXX. That dispute included clear evidence of timely payments for all three accounts. Despite receipt of the dispute and documentation, XXXX  responded that the information was " verified '' and refused to update or correct my credit file. 
Since then, I have made a third attempt to resolve this issue directly with XXXX  by mailing an additional dispute package via USPS Certified Mail ( Tracking # XXXX ), which was received on XX/XX/XXXX. That package also included proof of on-time payments and a detailed explanation of the discrepancies, yet I have still not received any resolution or updated credit reporting. 
This prolonged inaction by XXXX  is in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation based on new evidence submitted multiple times.

15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : If the data furnishers involved failed to adequately investigate the dispute forwarded by XXXX, they too are in violation.

In addition to the ongoing negative impact on my credit score and financial reputation, I must stress that I am an active duty service member, and this inaccurate reporting is now jeopardizing my security clearance and putting my job at risk. This situation has caused significant financial damage, heightened stress, and a real risk to my livelihood. 
I am requesting that the CFPB take immediate and direct action to ensure that XXXX  corrects the reporting errors in accordance with the FCRA, and that any associated data furnishers conduct a proper review and correction as required by law. 
Attachments included with this complaint : Proof of on-time payments USPS Certified Mail receipt showing XX/XX/XXXX delivery Copies of previous correspondence and XXXX  inadequate responses Thank you for your attention to this urgent and 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