Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11632052
Complaint Overview
Complaint ID: 11632052
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 33634
Date Received: 2025-01-19T12:00:00-05:00
Date Sent to Company: 2025-01-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payments reported on my credit file by Experian and XXXX regarding my account with XXXX XXXX XXXX These reported late payments are incorrect and do not reflect my payment history accurately. Below, I have outlined the account details and identified the discrepancies for your review : Account Information : Creditor Name : XXXX XXXX Account Number : XXXX High Balance : {$2900.00} Date Opened : XX/XX/XXXX Date Reported : Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX XXXX of Last Activity : Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX XXXX Owed : {$0.00} Closed Date : Not Reported Account Rating : Paid Account Description : Individual ( Experian ) ; Closed or paid account/zero balance ( XXXX ) Account Status : XXXX Payment Status : Late 90 Days Payment Amount : {$0.00} Last Payment Date : Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX Term Length XXXX 3 Months Account Type : Unsecured Loan Credit Limit : {$0.00} Discrepancies and Errors : Inaccurate Late Payment Reporting : XXXX incorrectly reports late payments for XX/XX/XXXX and XX/XX/XXXX, while Experian erroneously reports late payments for XX/XX/XXXX through XX/XX/XXXX. Contradictory Payment History : Experians payment history lists " OK '' for XX/XX/XXXX, followed by XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/XXXX, respectively. This contradicts the accounts closed status and my documented payment records. XXXX payment history includes late payments without sufficient explanation or supporting evidence. Conflict with Autopay Enrollment : I have been enrolled in autopay for this account, and my payments have been consistently made on time. These reported late payments are unfounded and conflict with my established history of timely payments. Inconsistencies Across Credit Bureaus : XXXX does not report any late payments for this account, while Experian and XXXX report differing late payment dates, further highlighting inaccuracies in the data. Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting of my credit information. The inaccurate reporting of late payments constitutes violations of the following provisions : 15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies to ensure maximum possible accuracy of consumer information. 15 U.S.C. 1681i : Requires credit bureaus to promptly investigate and correct disputed information. 15 U.S.C. 1681s-2 : Obligates furnishers of credit information to ensure accuracy and correct errors. Additionally, these discrepancies may violate the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ), which require truthful and accurate reporting to protect consumers from harm. Requested Resolution : I request that Experian and XXXX conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit file. I also request that the account entries be updated to accurately reflect my on-time payment history. Please provide written confirmation of these corrections within 30 days of receiving this dispute. Failure to resolve this issue promptly may result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights as a consumer. Thank you for your immediate attention to this matter. Please feel free to contact me at your earliest convenience if additional information is needed to process this dispute. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11632052 about?
Complaint #11632052 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-19T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.