Consumer complaint received 2025-09-21 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: MI

Complaint narrative:
Subject : Inaccurate Credit Reporting by XXXX XXXX XXXX of the Complaint : * filing a complaint against XXXX XXXX regarding inaccurate late payment reporting on my credit file. 

* Ive consistently made my lease payments on time and have documentation to prove this * Despite this, XXXX XXXX reported a 30-day late payment in XX/XX/year> that is completely inaccurate * Ive contacted XXXX XXXX multiple times regarding the XX/XX/year> late payment reported, provided proof of my timely payments, and requested correction. Each time, theyve refused to remove or amend the false reporting. I requested they provide proof of my payments and delinquency, and each time they refuse to send and only refer me to my statements available on their website which ALL indicate my status as " current '' * My last discussion with XXXX XXXX was with XXXX - employee ID # : XXXX from their executive office. When I pointed out my on-time payments, sometimes even paying in advance, XXXX offered no resolution and said that all reporting to the bureau is done automatically through an electronic system " that can not be wrong. '' Ive attached proof of meeting my lease terms in the pages below. I also requested a goodwill removal as a courtesy hoping to resolve this, but this was also denied by XXXX. 

* I disputed the XX/XX/year> late payment with the credit bureaus, but XXXX XXXX responded to the dispute, and I dont believe an in-depth investigation was completed by the bureaus as they closed the dispute in their favor * Since then, XXXX XXXX has now again reported a 30-day late payment in XX/XX/year> that is completely inaccurate as well. Theyve completely ruined my credit history and are making it impossible to obtain new credit. They are in violation of the fair credit act reporting act and MUST be held accountable This false reporting has caused significant financial harm, including : * I had NO late payments on my credit report at all until this. Ive worked hard to keep my credit in good standing and to make ALL payments on time. 

* Since this false reporting by XXXX XXXX, my credit cards have lowered credit limits, which increased my utilization ratio. Some of my cards have even closed my accounts. 

* A severe drop in my credit score. 

* Difficulty obtaining approval for a new vehicle lease as Im currently at the end of my current lease and am unable to get approved for a new lease. Ive been forced to extend my lease with XXXX XXXX as I have no choice until this is corrected and resolved. I have no extensions remaining with them and this MUST be corrected AS SOON AS POSSIBLE * My family will soon be without a vehicle because of this, which will mean missed work, unable to transport my children to school or sports activities, etc. 

Why this is a violation : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information are required to report accurate information and to correct or delete information that they know or should know is inaccurate. XXXX XXXX is in violation of this obligation by continuing to report late payments that never occurred. 

Requested Resolution : * Immediate removal of the inaccurate XX/XX/year> and XX/XX/year> late payments from ALL credit reporting agencies * Written confirmation of correction sent to me and to the credit bureaus * Assurance that no future inaccurate reporting will be made regarding this account * Written communication to be sent by XXXX XXXX to all my credit card companies explaining that the prior information they previously reported was false and inaccurate in an attempt for them to reinstate my prior credit worthiness before all of this Supporting Documentation below : * Experian credit report indicating late payments reported * XXXX XXXX Proof of payments showing timely payments * XXXX XXXX Statements where they themselves indicate payment status is ON TIME ALWAYS

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