Consumer complaint received 2025-03-31 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: NV

Complaint narrative:
I am filing a formal complaint against the three major credit reporting agencies : TransUnion, Experian, and Equifax, regarding inaccurate and misleading reporting of late payments on my mortgage account with XXXX XXXX, account number ending in XXXX. These inaccuracies persist despite my attempts to resolve the matter directly with the credit bureaus. The continued presence of these erroneous late payments on my credit report is causing significant financial harm and adversely affecting my creditworthiness. 

Complaint Summary : I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of late payments on a mortgage account that was refinanced and paid off. The reported late payments are inconsistent, inaccurate, and conflict with the account 's actual status, as outlined below : Inconsistent Reporting Among Bureaus : TransUnion : Reports the account as refinanced with a late XXXX payment in XX/XX/XXXX, while the account status is shown as closed due to refinance. The reported date opened is XX/XX/XXXX, the date last active is XX/XX/XXXX, and the last payment date is also reported as XX/XX/XXXX. 

Experian : Reports the account as refinanced with a late XXXX payment in XX/XX/XXXX, while the account status also indicates a closed status due to refinance. The reported date opened is XX/XX/XXXX, the date last active is XX/XX/XXXX, and the last payment date is reported as XX/XX/XXXX. 

Equifax : Reports the account as paid with a late XXXX payment in XX/XX/XXXX, despite showing that the account is closed/paid with a XXXX balance. The reported date opened is XX/XX/XXXX, the date last active is XX/XX/XXXX, and the last payment date is reported as XX/XX/XXXX. 

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Reporting inaccurate information on refinanced or paid accounts violates the duty of furnishers to report accurate information.

FCRA Section 607 ( 15 U.S.C. 1681e ) : Inconsistent and outdated reporting is a violation of the duty to maintain maximum possible accuracy.

FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to reasonably investigate disputed information violates the bureau 's obligation to correct or delete inaccurate data promptly.

Requested Resolution : I am requesting that the CFPB take immediate enforcement action to compel TransUnion, Experian, and Equifax to correct their records and remove the inaccurate late payment entries from my credit report. These violations of the FCRA are clear and egregious, and I demand that the bureaus be held accountable for their failure to maintain accurate consumer reporting. 

I am attaching supporting documentation, including credit reports from all three bureaus highlighting the discrepancies and evidence of the account 's payment status. 

Thank you for your prompt assistance in resolving this matter. I look forward to your enforcement actions to uphold my consumer rights under the FCRA. 

Sincerely

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