Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
I am filing this complaint because all three credit reporting agenciesEquifax, Experian, and TransUnionare reporting late payments on several of my accounts that are not accurate. I have never paid these accounts more than 30 days late, and the late payment reporting is harming my credit profile.

I have already mailed dispute letters to all three bureaus, but the inaccuracies remain. I am requesting the CFPBs assistance to ensure the bureaus properly investigate and correct the reporting as required under the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( accurate reporting ) and 15 U.S.C. 1681i ( reasonable reinvestigation of disputes ). 

Equifax The following accounts are incorrectly showing late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should show : Paid as agreed, never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should show : Paid as agreed, never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should show : Paid as agreed, never late Experian Experian is reporting inaccurate late payment history on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts were paid on time and should reflect a 100 % on-time payment history. 

TransUnion TransUnion is inaccurately reporting late payments on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All should reflect paid as agreed with no late payments. 

These inaccurate late payments are affecting my credit score and access to fair credit.

I have requested that the bureaus verify the alleged late payments through the furnishers actual bank transaction records. If they can not prove the payments were truly late, the negative information must be removed.

Additionally, I am concerned that the credit bureaus may delay processing disputes based on the assumption that a consumer is working with a credit repair company. This is not a valid legal reason to delay or ignore my disputes, and the FCRA does not require consumers to submit a Power of Attorney to exercise their rights.

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