Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : NEW EVIDENCE DISPUTE NOT DUPLICATE OR FRIVOLOUS XXXX XXXX XXXX Account # XXXX Disputed Item XXXX XXXX XXXX  30 Days Past Due Status To Whom It May Concern : This correspondence constitutes a NEW dispute submission supported by NEW documentary evidence that was not previously provided to or reviewed by Experian. Accordingly, this dispute may not be treated as duplicate, frivolous, or previously investigated under the Fair Credit Reporting Act.

I am formally disputing the accuracy of Experians reporting that my XXXX XXXX XXXX account was 30 days past due as of XX/XX/XXXX. That designation is inaccurate and is directly contradicted by XXXX own written communications and internal account records, which are enclosed and clearly annotated. 

Please review the enclosed exhibits carefully, including the red margin notes, which identify the precise factual contradictions requiring correction. 

Basis of Dispute Experian is reporting a 30-day delinquency in XX/XX/XXXX despite the creditors written confirmation that the account was current during that same period. These two positions can not both be true.

This dispute is not based on opinion or interpretation. It is based on documented contradictions created by the furnisher itself.

Why This Is a New Dispute ( Critical ) This dispute is supported by new evidence, including : A written email from XXXX XXXX XXXX dated XX/XX/XXXX stating that my account was current due to a payment deferment, and A red-annotated transaction ledger showing the corresponding EXTENSION entry and due-date structure. 

These materials were not previously submitted in any earlier dispute and therefore require a fresh reinvestigation under FCRA 611. 

Evidence Provided ( See Red Margin Notes ) XXXX XXXX Experian Credit Report ( Red-Annotated ) This exhibit shows the disputed data : XX/XX/XXXX marked as 30 days past due. 
See red margin notes on XXXX XXXX XXXXdentifying the disputed entry. 

XXXX XXXX XXXXXXXX XXXX Assistance XXXX dated XX/XX/XXXX ( NEW EVIDENCE ) In this written correspondence, XXXX XXXX : The missed XX/XX/XXXX payment was deferred to the end of the loan, Your account is current, and The regular monthly payment resumes XX/XX/XXXX. 

See red margin notes on XXXX XXXX highlighting DEFERMENT = NOT LATE and ACCOUNT CURRENT AS OF XX/XX/XXXX. 

This email is a direct written admission by the furnisher that, as of XXXX XXXX, the account was not delinquent. 

XXXX XXXX XXXX XXXXayment History / Transaction Ledger ( Red-Annotated ) This exhibit corroborates the deferment and shows : Contractual due dates consistently on the XXXX of each month, A {$540.00} payment on XX/XX/XXXX, A partial {$60.00} payment on XX/XX/XXXX applied only to interest, and An internal EXTENSION entry dated XX/XX/XXXX, consistent with the earlier written deferment. 

See red margin notes on XXXX XXXX XXXXdentifying the due-date structure, partial payment, and system extension corresponding to the XX/XX/XXXX email. 

Why the XX/XX/XXXX XXXX Late Is Inaccurate Once XXXX deferred the XX/XX/XXXX payment and explicitly stated that the account was current, there was no installment that could lawfully be considered 30 days past due in XX/XX/XXXX. 

A deferred obligation can not simultaneously be reported as delinquent. Reporting otherwise renders the tradeline inaccurate and misleading under the Fair Credit Reporting Act. 

If XXXX chose to retroactively modify the obligation through deferment, it can not continue to report that same obligation as 30 days past due for the same reporting period. 

Formal Request for Correction Pursuant to the Fair Credit Reporting Act, I am requesting that Experian : Conduct a new reinvestigation based on the enclosed new evidence, and Delete or correct the XXXX XXXX 30 days past due designation for the XXXX XXXX XXXX account if the furnisher can not reconcile its reporting with its own written admission that the account was current. 

If XXXX verifies the XX/XX/XXXX delinquency, I request that Experian provide the specific documentation relied upon to override the furnishers XX/XX/XXXX written statement. 

Please provide written confirmation of the results of your reinvestigation. 

Sincerely, XXXX XXXX XXXX ENCLOSURES ( NEW EVIDENCE ) XXXX XXXX XXXX  Experian Credit Report ( XX/XX/XXXX entry red-annotated ) XXXX XXXX XXXX XXXXXXXX Payment Assistance XXXX XXXX XX/XX/XXXX ( red-annotated ) XXXX XXXX XXXX XXXXXXXX Payment History / Ledger with EXTENSION entry ( red-annotated )

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