Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion XXXX Experian XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate and unresolved credit reporting issues related to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, as shown in the attached documentation. The account was closed in good standing, and Equifax accurately reflects this information with a paid-as-agreed status. However, Experian and TransUnion continue to report incorrect information, including XXXX late payments. This issue originated during the XXXX pandemic when I experienced financial challenges due to the economic impact of the crisis. As a result, I encountered late payments on my account during XXXX and XXXX. However, these late payments were supposed to be protected under the XXXX XXXX provisions, which offer protections for consumers impacted by XXXX. Additionally, I have disputed this inaccurate information more than XXXX times with both TransUnion and Experian since XX/XX/XXXX, but each time, my disputes have been returned without any changes. The reporting by TransUnion, and Experian is clearly inconsistent with that of Equifax, which reflects the account as paid and closed with no late payments. 
The following are the key inaccuracies on the TransUnion and Experian reports : XXXX. XXXX late payments are reported incorrectly despite the account being paid as agreed. 
XXXX. Dispute history : The account has been in dispute for over 10 months, yet no meaningful investigation or corrections have been made. XXXX. Inconsistent account status : Equifax reflects accurate information, while TransUnion and Experian do not. 
Violations of the FCRA and TILA According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accurate reporting of credit information, and furnishers of credit data have a legal obligation to investigate and correct inaccuracies once they are brought to their attention. TransUnion and Experian 's failure to correct these inaccuracies violates my rights under the FCRA. Moreover, under the Truth in Lending Act ( TILA ), creditors must provide accurate information regarding payment histories and account statuses. 
This failure to correct the payment history is a violation of TILAs provisions on accurate reporting and disclosure. 
Requested Actions I respectfully request that the CFPB : XXXX. Investigate TransUnion and Experians failure to correct the disputed information on my credit report. 
XXXX. Ensure that the late payments are removed from both the TransUnion and Experian credit reports to reflect the accurate status of the account, as shown by Equifax. 
XXXX. Take enforcement action against TransUnion and Experian if they continue to fail to comply with their obligations under FCRA and TILA. 
I have attached a screenshot of my credit report for your reference, highlighting the discrepancies between the reporting agencies.

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