Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Fourth Round Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX XXXX Account Dear CFPB, I am filing a formal complaint against XXXX, Experian, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$1900.00} ( XXXX and Experian ), {$0.00} ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX XXXX Account Status : Closed ( XXXX and Experian ), Open ( XXXX XXXX Payment Status : Late 30 Days ( XXXX and Experian ), Current ( XXXX XXXX Credit Limit : {$1700.00} Despite multiple disputes initiated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies persist. While XXXX has removed the late payments, the Payment Status on the credit report continues to indicate " 30 Days Late, '' which is incorrect and misleading. Furthermore, Experian and XXXX continue to report late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These dates are inconsistent and unsupported by my payment records. 
Evidence of Errors and Discrepancies : Payment Status Inconsistencies : XXXX correctly removed late payments but still marks the account as " 30 Days Late '' in the Payment Status field. 
Experian and XXXX continue to report erroneous late payments. 
Account Status Discrepancies : XXXX and Experian report the account as Closed, while XXXX lists it as Open. 
Credit Limit and High Balance : High balance differs across bureaus : {$1900.00} ( XXXX and Experian ) versus {$0.00} ( XXXX ). 
Creditor Remarks : XXXX remarks state : " Consumer disputes - reinvestigation in progress, '' yet no corrections have been made. 
Violations of Federal Laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit bureaus must ensure the accuracy of information and reinvestigate disputes thoroughly.

15 U.S. Code 1681e ( b ) : Credit reporting agencies are required to maintain maximum possible accuracy in consumer reports.

2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before payment due dates. Late payment reporting suggests non-compliance. 
3. Protection Against Non-Payment of Obligations Act ( PAANL ) : Reinforces the necessity of timely and accurate disclosures to prevent unfair penalties.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report across all three credit bureaus.

Correction of the Payment Status field to " Paid as Agreed '' or equivalent. 
Written confirmation of all corrections made. 
I request the CFPBs intervention to ensure compliance with federal laws and to hold XXXX, Experian, and XXXX accountable for their negligence in addressing this matter. Enclosed are copies of my previous dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX 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