Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXX XXXX XXXXXXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXX XXXX XXXXXXXX account. This complaint specifically pertains to the credit file maintained by XXXX, Experian, and XXXX. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : XXXX : Reports a 30-day late payment for XX/XX/XXXX. 
Experian and XXXX : Report a 30-day late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by XXXX and Experian, but {$0.00} by XXXX. 
Payment Amount : {$64.00} ( XXXX and XXXX ), {$100.00} ( Experian ). 
Last Verified Date : XXXX : XX/XX/XXXX ; Experian : Not reported ; XXXX : XX/XX/XXXX. 
Date of Last Activity : XXXX : XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
Date Reported : XXXX : XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information. 
15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful. 
Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the reporting of false or misleading information regarding a consumers debt. 
Requested Resolution : I request the following actions be taken : XXXX a comprehensive investigation into this matter. 
Remove the inaccurate late payments reported for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX and Experian ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies may compel me to take further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
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