Consumer complaint received 2025-08-25 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:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, those three accounts show PAID, CLOSED with the total 6 late payments together, such as 2 late payments on each account on Experian. On EXPERIAN XXXX XXXX XXXX XXXX PAID, CLOSED with XXXX late payments. While on Equifax XXXX XXXX XXXX XXXXXXXX {$35.00} and XXXX XXXX XXXXXXXX XXXX {$3500.00} and XXXX XXXX XXXX XXXX {$3500.00} show 4 late payments on each account including the status saying PAYS ACCOUNT AS AGREED. On Transunion XXXX XXXX XXXX {$35.00} and XXXX XXXX XXXX {$3500.00} and XXXX XXXX XXXX {$3500.00} each show 4 late payments on each account. 
XXXX XXXX shows 5 late payments and PAID OR PAYING AS AGREED. These reports are inaccurate and need to be updated to reflect 'Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. 1 am requesting that the status of this account be updated to reflect " Paid on time '' or " Current '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ). particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Addition ally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in YELLOW for your convenience. I trust that you will handle this matter promptly and in compliance with al applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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