Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of XXXX accounts listed on my credit report, which I obtained through your credit reporting services. Upon review, I found discrepancies that I believe violate my rights under both federal and state consumer protection laws, as well as the Fair Credit Reporting Act ( FCRA ). I respectfully request your immediate attention to resolve these issues. 

The first account in question is with XXXX XXXX XXXX  ( Account No. XXXX ), which was opened on XX/XX/XXXX. This account is reported as a closed credit card with multiple XXXX late payments listed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These dates are in the future, and I believe this is a clear error. There should not be late payment entries for these future months, and I dispute the accuracy of this information. 

The second account is with XXXXXXXX XXXX XXXXXXXX ( Account No. XXXX ), opened on XX/XX/XXXX. This account is reported as a closed revolving account with a XXXX late payment listed for XX/XX/XXXX. Since this date has already passed, the late payment entry is inaccurate. I dispute this entry and believe it should be corrected to reflect the true payment history for this account. 

These discrepancies violate several important laws and regulations governing credit reporting. Under the Fair Credit Reporting Act ( FCRA ), Section 1681i, I have the right to dispute any inaccurate or incomplete information on my credit report. The entries in question violate the requirement for credit reporting agencies to ensure the accuracy of the information they report. Additionally, under Section 1681s-2 ( a ), the data furnishers, in this case, XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX, are obligated to report accurate information to the credit bureaus. Furthermore, under Pennsylvania 's Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), creditors and reporting agencies are prohibited from engaging in unfair or deceptive practices, including providing false or misleading credit information. These erroneous entries violate state protections designed to safeguard consumers from such practices. 

I respectfully request that EXPERIAN immediately conduct a thorough investigation of the disputed entries related to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Please ensure that the inaccurate future dates for the XXXX XXXX XXXX  account and the incorrect late payment entry for XXXXXXXX XXXX  XXXX are corrected or removed from my credit report. In accordance with the FCRA, I expect a resolution of this matter within the 30-day period prescribed for credit report disputes. I also request that you provide a written explanation of your findings and the actions taken. 

Enclosed are copies of my recent credit report, highlighting the disputed accounts, as well as any additional supporting documentation. Should you require further information to assist in resolving this matter, please do not hesitate to contact me at the phone number or email address listed.

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