Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and incorrect late payment notations being reported by one or more of my creditors to the consumer reporting agencies ( credit bureaus ). These entries are damaging to my credit profile and were made in error.

Upon reviewing my credit reports from the three major credit reporting agenciesEquifax, Experian, and TransUnionI have identified the following accounts with inaccurately reported late payments : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number ( or partial ) : [ XXXX ] Reported Late Payment Date ( XXXX ) : XX/XX/XXXX & XX/XX/XXXX Issue : These payments were made on time and I have supporting documentation to verify this. 

Creditor Name : XXXX XXXX, XXXX Account Number ( or partial ) : [ XXXX ] Reported Late Payment Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Issue : Same as above. 

Creditor Name : XXXX XXXX Account Number ( or partial ) : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Issue : Same as above. 

Creditor Name : XXXX XXXXXXXX Account Number ( or partial ) : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Account Number ( or partial ) : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Account Number ( or partial ) : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number ( or partial ) : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted the creditors directly to dispute these inaccuracies, but the reporting has not been corrected. Under 15 U.S. Code 1681s2 ( a ), furnishers of information to consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. By continuing to report these false delinquencies despite my disputes and provided documentation, the furnishers are in direct violation of the Fair Credit Reporting Act ( FCRA ).

This misinformation is not only misleading but also impacts my ability to access credit at fair terms. I respectfully request the CFPB to investigate this matter and ensure the necessary corrective actions are taken. I am requesting that the erroneous late payments be removed from my credit reports immediately and that the furnishers be held accountable for their failure to comply with federal law.

lease feel free to contact me at the information provided above should you require additional documentation or clarification.

Thank you for your attention to this matter. 

Sincerely, XXXX 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