Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  and Experian are currently reporting multiple late payment notations on accounts that are either paid and closed with XXXX balances and no past due amounts or open with no actual delinquencywhich is both misleading and noncompliant with the Fair Credit Reporting Act. These include XXXX tradelines that are being erroneously flagged and damaging my credit standing despite showing no legitimate or unresolved past-due balances. Specifically, the accounts in question are XXXX ( Account XXXX. XXXXXXXX XXXX XXXX  ) reported with a late payment dated XX/XX/XXXXXXXX XXXX XXXX XXXX ( Account XXXX. XXXX XXXX XXXX XXXX marked with a late payment on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX ) showing a delinquency from XX/XX/XXXXXXXX XXXX XXXX as well as XXXX  XXXX ( Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, both of which are open accounts inaccurately reflecting past due balances as of XX/XX/XXXX and XX/XX/XXXX respectivelydespite each being current and carrying a {$0.00} past due amount. 

These are clear violations of XXXX XXXX. XXXX ( b ), which mandates that credit reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of the information they publish about consumers. A paid and closed account with no balance and no past due can not, by definition, be accurately marked as delinquent. By reporting these late payments, XXXX  and Experian are misrepresenting the true status of these tradelines and falsely labeling me as having a pattern of late payments that simply does not exist. This is not a technical errorit is a legal failure, and it has tangible financial and emotional consequences. 

The entries for XXXX XXXX XXXX XXXX are particularly egregious because these accounts have long since been closed and carry XXXX balance and XXXX past due, yet still show derogatory payment history. This misreporting gives lenders the impression that I was delinquent on accounts I resolved in full, in good faith, and according to the terms set forth by the lenders. As for the open accounts with XXXX  XXXX and XXXX XXXX XXXX, the reporting of a late payment alongside a {$0.00} past due balance is inherently contradictory. If I am current on the account and owe nothing past due, there is no legal or factual basis to report me as late for any period. 

When I formally disputed these inaccuracies with both bureaus, I expected a thorough reinvestigation in accordance with XXXX U.S.C. XXXX ( a ). Instead, I received boilerplate responses claiming the information had been verified without providing any documentation, account history, payment logs, or lender confirmation that would justify these derogatory entries. That is not a reinvestigation. That is dismissal. XXXX  and Experian failed to meet their legal obligations under the FCRA, and they continue to allow incorrect derogatory information to sit on my report, suppressing my XXXX XXXX and affecting my ability to access fair credit terms. 

The practical harm of this misreporting has been substantial. These inaccurate late payment notations have contributed to declines in my XXXX XXXX, triggered denials from potential lenders, and forced me to explain false delinquencies that do not reflect my actual payment history. I've lost out on opportunities, suffered higher interest rates, and endured the emotional strain of seeing my reputation undermined by credit bureaus that refuse to correct mistakes even when presented with clear evidence. I have paid these accounts in full. I have kept current where obligated. I should not be punished with derogatory data that violates both facts and federal law.

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