Consumer complaint received 2025-12-19 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, which is listed with a balance owed of {$1400.00}. This account has been reported as closed with a history of late payments. After reviewing my financial records and payment history, I believe that this information is incorrect and does not accurately reflect the actual status of my account. According to my records, I have not been notified of any closure, nor do I recall receiving any communication from the creditor regarding this issue. Moreover, the account was tied up due to an unresolved dispute over the payment processing, and I was actively working with the creditor to resolve it. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information on my credit report, and I request a formal investigation into this matter to correct the errors. The erroneous closure and reporting of late payments on this account are significantly impacting my credit score and financial standing, and I ask for these discrepancies to be fully rectified.

In addition to the reported late payment history, I have concerns regarding the handling of the balance owed of {$1400.00}. The account status indicates that payments were not made on time, but that is not the case. The account was temporarily tied up due to a billing dispute, and I have made every effort to resolve the issue with the creditor. I was under the impression that the account would remain open during the dispute process, and I had been assured that the account would not be negatively impacted as long as I was actively addressing the issue. However, the report inaccurately reflects a late payment history, which is not consistent with the actual payment status. Under FCRA 1681e ( b ), credit bureaus are required to ensure that the information reported is accurate and complete. I have maintained records of all communications with the creditor and would be happy to provide documentation proving that the account was being disputed and was not in a state of default. This inaccurate reporting is detrimental to my credit score, and I request an immediate review and correction to reflect the true status of the account, including correct any false late payment history. 
Lastly, the incorrect " closed '' status of the account further complicates matters. I have not been officially notified that the account has been closed, nor has any written confirmation been provided. I believe that this closure may have occurred due to an error during the dispute process or as a result of the misunderstanding between myself and the creditor. According to FCRA 1681s-2 ( a ), all furnishers of information are required to report accurate information to credit bureaus and to correct any inaccuracies as soon as they are identified. If the account was closed due to a dispute, that action should have been communicated to me in writing, and the closure should not have been reported until the matter was fully resolved. The reporting of this account as closed, without proper communication or resolution, is misleading and harms my credit.

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