Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
CFPB Complaint Experian Credit Reporting Violation Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Date : XX/XX/XXXXXXXX  To : Consumer Financial Protection Bureau Summary of Complaint Experian is willfully reporting false derogatory late-payment notations on three closed, paid XXXX XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Each account is marked Paid, Closed yet still shows 30- and 60-day late payments after the closure dates, which is chronologically impossible. These inaccurate entries are materially harming my credit score, impacting my ability to obtain credit, and increasing borrowing costs.

Despite prior disputes, Experian has refused to : Provide original source documentation from the furnishers to substantiate these late payments. 
Remove the clearly inaccurate data from my file. 



FCRA Violations 1. 611 Failure to Conduct a Proper Reinvestigation Experian has ignored clear factual evidence ( closure dates that precede alleged lates ) and continues to report contradictory payment history.
2. 609 ( a ) ( 1 ) ( A ) Failure to Provide Source Documentation I have never received original contracts, statements, or payment records from Experian or the furnishers to support the reported delinquencies. 
3. 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information XXXX XXXX and its partner banks are supplying false late-payment data that conflicts with the accounts own status dates. 
4. 616 & 617 Willful and Negligent Noncompliance The continued publication of provably false data, after notice, constitutes willful and negligent violations of my rights under the FCRA.

Evidence Attached XXXX XXXX XXXX XXXX Status : Paid, Closed XX/XX/XXXX Shows 60 days late in XX/XX/XXXXXXXX  despite closure that same month. 
XXXX XXXX XXXX XXXX Status XXXX Paid, Closed XX/XX/XXXX Shows 30 days late in XX/XX/XXXXXXXX  and 60 days late in XX/XX/XXXXXXXX  despite closure in XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX Status : Paid, Closed XX/XX/XXXX Shows 30/60 days late entries in multiple months including closure month. 

Screenshots clearly highlight these contradictions. 



Relief Requested Immediate deletion of all inaccurate late-payment notations from the above three accounts.

Written confirmation from Experian and the furnishers that the corrections have been made. 
Production of original source documentation relied upon to verify these lates. 
Assurance that corrected reports will be sent to all past recipients of my Experian file.

Statement These errors are not minor they are clear, objective contradictions in Experians own reporting. They continue to cause significant financial harm, and Experians refusal to correct them after notice leaves me no choice but to seek relief through the CFPB and, if necessary, in federal court.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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