Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal dispute and demand for correction regarding the way Experian is reporting my XXXX XXXX account number ending in XXXX. 

According to my Experian report, this account : Was opened on XX/XX/year> Is listed as Paid, Closed with no current balance Still shows seven ( 7 ) late payments/ delinquencies These derogatory marks are inaccurate, inconsistent, and not supported by proper documentation. I have already disputed these items with all three credit bureaus ( Experian,XX/XX/XXXXXX/XX/XXXX, andXX/XX/XXXX. Despite my disputes, the late payments remain, and no bureau has provided any actual proof of delinquencyonly a generic verified as accurate response. That is not a reasonable investigation under the law. 
Violations of the Fair Credit Reporting Act ( FCRA ) 1. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Experian is required to follow reasonable procedures to assure maximum possible
accuracy of the information it reports. Reporting an account as Paid, Closed while simultaneously showing multiple late paymentswithout any supporting payment history or balance informationis contradictory and misleading. This is not maximum possible accuracy.

2. 15 U.S.C. 1681i Duty to Reinvestigate Disputed Information When I disputed these late payments with Experian, you were obligated to conduct a reasonable reinvestigation and delete or correct any information that can not be verified. Simply parroting the furnishers verification without providing any underlying documentation, billing statements, or payment records does not meet the standard of a reasonable reinvestigation.

3. 15 U.S.C. 1681 602 Congressional Findings and Right to Privacy Congress clearly states that consumer reporting must be fair, impartial, and respectful of the consumers right to privacy. Continuing to report unproven derogatory late payments on a closed and paid account is neither fair nor accurate and is damaging to my reputation and creditworthiness.

4. 15 U.S.C. 1681 604 ( a ) ( 2 ) Permissible Purpose / Written Instructions The law also states that a consumer reporting agency can not furnish an account without my written instructions, except under specific permissible purposes. This account is closed and paid, and there is no current credit relationship to justify ongoing derogatory data being furnished or updated in a way that harms me, especially when its accuracy is in dispute.

5. 15 U.S.C. 1666b Treatment of Payments on Open-End Credit Plans A creditor may not improperly treat or classify payments on a credit card under an open-end consumer credit plan as late for purposes that are not consistent with the law or the actual payment terms. To date, neither Experian nor XXXX XXXX has provided documentation proving that these seven alleged late payments were actually late under the terms of the account. 



Prior Disputes with All Three Bureaus I have previously disputed these late payments with ExperianXX/XX/XXXX andXX/XX/XXXX. All three bureaus failed to remove the derogatory information and have not provided any concrete evidence such as : Billing statements showing due dates and payment posting dates Notices of default or delinquency A detailed method of verification as required when information is disputed This ongoing reporting of unsupported late payments demonstrates a continuing violation of your duties under the FCRA.

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