Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Experian, I am writing to dispute several inaccuracies in my credit report, as reported by your agency. Below, I have outlined the details of the inaccuracies, as well as my request for immediate resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXXXXXX XXXX Late Payment ( LATE PAYMENT XX/XX/XXXX ) I recently reviewed my credit report and noticed a late payment reported for my XXXX XXXX  account. I am not aware of any late payment, and I have not received any written notice advising me of such an occurrence before it was reported on my credit report. According to the FCRA, you are required to notify me at least 21 days in advance if you intend to report a late payment. 

Please provide me with the written notice you sent 21 days prior to reporting this late payment. If you can not provide this notice, I request that you immediately remove the late payment from my credit report and update the account status to " Pays as Agreed. '' Furthermore, Experian has not conducted a thorough and accurate investigation regarding this dispute. I initially submitted my dispute on XX/XX/XXXX, indicating that I was not late on XX/XX/XXXX for XXXX XXXX. The investigation was closed on XX/XX/XXXX, but Experian failed to provide me with the documentation used to determine the alleged late payment. I request that you provide this documentation. 

Additionally, I want to highlight that Experian can not report a 60-day late payment without first reporting a 30-day late payment, as required by the FCRA. This late payment must therefore be removed for inaccurate reporting. 

XXXX. Bankruptcy Listed on Credit Report ( XX/XX/XXXX ) I am also disputing the bankruptcy listing on my credit report from the U.S. Bankruptcy Court. Despite my previous disputes and the documentation, I provided, this entry remains on my credit report. It is important to note that the U.S. Bankruptcy Court does not correspond directly with credit agencies, and XXXX XXXX shows no record of a bankruptcy on my file. Furthermore, the other credit agencies do not have this account listed, which makes the bankruptcy reporting inaccurate. 

As such, I request that this bankruptcy be removed from my credit report immediately due to inaccurate reporting. 

XXXX. XXXX XXXX XXXX XXXX Charge-Off Another inaccurate entry pertains to XXXX XXXX XXXX XXXX , listed as a charge-off in XXXX. I have disputed this account multiple times, but Experian has failed to conduct a thorough investigation. According to the FCRA, a charge-off can only be reported once, and the balance should not be updated every month. A charge-off account also can not show a balance. 

Therefore, I request that this charge-off be removed from my credit report immediately, as it has been reported inaccurately. 

XXXX. Data Breach Exposure Finally, I would like to remind you that I have previously alerted Experian that my personal information was exposed in a data breach. Given this situation, all of the above-mentioned inaccurate entries should be removed immediately. 

Attachments I have attached the necessary documentation to support the removal of these negative accounts. I kindly request that Experian conduct a full and thorough investigation and provide me with copies of all relevant documentation to ensure that these inaccuracies are corrected promptly. 

Thank you for your attention to this matter. I look forward to your timely response and the resolution of these disputes in accordance with the FCRA. 

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