Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11887995
Consumer Challenges Experian's Inaccurate Late Payment Reporting
Complaint Overview
Complaint ID: 11887995
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: Georgia
ZIP Code: 30318
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The consumer alleges Experian is reporting accounts as late when the original creditor reports them as paid as agreed, which could lead to significant damage to their credit score and financial standing.
Consumer Sentiment: negative
Topics: Credit reporting, FCRA, Dispute resolution
AI Analysis
CFPB complaint 11887995 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer disputes inaccurate late payment reporting on their Experian credit report, citing discrepancies with the original creditor and alleging violations of the Fair Credit Reporting Act (FCRA). The complaint was received on January 31, 2025 from Georgia. The company responded with "Closed with explanation".
Consumer Narrative
I am writing to formally dispute the inaccurate reporting of XXXX accounts from XXXX XXXX XXXX on my Experian credit report. Specifically, the accounts with the following details are being reported incorrectly : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Experian is currently reporting these accounts as XXXX and XXXX days late, while XXXX is reporting both accounts as paid as agreed with no late payments. This discrepancy violates your duty under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of consumer credit information. Additionally, under 15 U.S.C. 1681a, Paragraph ( 2 ), Subparagraph ( A ), it is clearly stated that : The term consumer report does not include ( A ) a report containing information solely as to transactions or experiences between the consumer and the person making the report. Since the alleged late payments are purported transactional data between myself and XXXX XXXX XXXX, they do not qualify as part of my consumer report under this legal definition. This further reinforces that Experian must either verify the accuracy of this reporting with physical documentation from XXXX XXXX XXXX or remove the inaccurate information immediately. If you can not provide such documentationsuch as actual payment history records from XXXX XXXX XXXX you are legally obligated to correct these accounts to reflect their accurate status : paid as agreed, never late ( PAANL status ). Under 15 U.S.C. 1681b, Experian is also required to ensure the permissible and accurate use of consumer information. Given that XXXX is correctly reporting these accounts as paid as agreed with no late payments, your records must reflect the same maximum accuracy. Any continued failure to correct this inaccurate reporting would be a direct violation of the Fair Credit Reporting Act ( FCRA ). If Experian is unable to provide verifiable proof of late payments, I demand an immediate correction to my credit file to reflect the proper payment status.
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for inaccuracies and dispute any incorrect information with the credit reporting agency, providing supporting documentation.
Legal Context & Consumer Protection Laws
The complaint references 15 U.S.C. 1681e(b) regarding the duty to ensure maximum possible accuracy and 15 U.S.C. 1681a(2)(A) concerning what constitutes a consumer report.
Regulatory Insight
Credit bureaus have a legal obligation to investigate disputes and ensure the accuracy of information they report, including verifying data with furnishers.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Georgia (GA).
Industry Comparison
Disputes over inaccurate account status reporting are common in the credit reporting industry, often requiring credit bureaus to verify information with data furnishers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11887995 about?
CFPB complaint 11887995 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against Experian Information Solutions Inc. on January 31, 2025.
Which company is complaint 11887995 filed against?
Complaint 11887995 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 11887995?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11887995 filed?
Complaint 11887995 was received by the CFPB on January 31, 2025. It was sent to Experian Information Solutions Inc. on January 31, 2025.
What state was complaint 11887995 filed from?
Complaint 11887995 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 11887995?
Dispute information is not available for complaint 11887995.
What product category is complaint 11887995 about?
Complaint 11887995 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 11887995 submitted?
Complaint 11887995 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11887995?
The complaint references 15 U.S.C. 1681e(b) regarding the duty to ensure maximum possible accuracy and 15 U.S.C. 1681a(2)(A) concerning what constitutes a consumer report. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".
How likely is complaint 11887995 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11887995?
This complaint is rated as high risk. The consumer alleges Experian is reporting accounts as late when the original creditor reports them as paid as agreed, which could lead to significant damage to their credit score and financial standing.
What regulatory actions apply to complaint 11887995?
Credit bureaus have a legal obligation to investigate disputes and ensure the accuracy of information they report, including verifying data with furnishers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 11887995?
Consumers should carefully review their credit reports for inaccuracies and dispute any incorrect information with the credit reporting agency, providing supporting documentation.
Are there state-specific protections for complaint 11887995?
The consumer is located in Georgia (GA). This complaint was filed from Georgia.
How does complaint 11887995 compare to industry norms?
Disputes over inaccurate account status reporting are common in the credit reporting industry, often requiring credit bureaus to verify information with data furnishers.
What specific documentation is required from the original creditor to verify the accuracy of account status reporting?
Typically, credit bureaus require furnishers to provide evidence of the consumer's payment history, such as payment records or transaction details, to validate disputed information.
What are the potential consequences for Experian if they fail to correct the inaccurate reporting?
Experian could face legal action and penalties under the FCRA for failing to maintain accurate credit information and properly investigate consumer disputes.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.