Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am requesting that the credit bureaus permanently delete the inaccurate late payment notations associated with the following accounts : XXXX  XXXX Account Number : XXXX 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX 3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate 4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT ED/XXXX Account Number : XXXX - 5. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX - 6. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX 7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX 8. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX 9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX 10. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX 11. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX 12. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX 13. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX These late payments were reported without proper notice from the furnishers, which is a direct violation of the Fair Credit Reporting Act. I am asking the credit bureaus to : Conduct a full reinvestigation as required by FCRA 1681i. 

Require the furnishers to provide proof that I was notified of the due date and given an opportunity to resolve the account before the late payment was reported. 

Permanently delete the late payment from my credit report if such documentation can not be produced. 

Provide written confirmation of the deletion and send me a corrected and updated copy of my credit file within 15 business days. 

I believe this is a fair resolution based on the legal obligations outlined under the FCRA and my right to an accurate and fairly reported credit file.

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