Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11890548

Complaint Overview

Complaint ID: 11890548

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Florida

ZIP Code: 349XX

Date Received: 2025-02-01T12:00:00-05:00

Date Sent to Company: 2025-02-01T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to formally dispute inaccurate late payments reporting on my Experian credit report, which have also been inaccurately reflected across all three major credit bureaus ( Experian, XXXX, and XXXX ). I have always made my payments in a timely manner, and these reported late payments are incorrect, violating my rights under federal consumer law. The following account is in direct violation of my rights : Account number ( XXXXXXXX XXXX ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, consumer reporting agencies are required to ensure that all information on my consumer report is 100 % accurate, complete, and verifiable. Specifically, 15 U.S.C. 1681e ( b ) states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting inaccurate late payments when I have consistently paid on time is a direct violation of this provision. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( such as lenders and creditors ) are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. If the creditor has misreported my payment history, they are in violation of this statute and must correct the error immediately. I have already attempted to resolve this issue with the credit bureaus and the data furnisher, but they have failed to correct the inaccurate information. Because this false reporting negatively impacts my creditworthiness and financial opportunities, I am requesting the CFPB to investigate this matter promptly. To resolve this issue, I demand : 1. An immediate investigation into the inaccurate reporting of late payments on my consumer report. 2. Removal or correction of the inaccurate late payments across all three credit bureaus. 3. Confirmation in writing that the inaccurate information has been corrected or removed. I have attached copies of my credit reports, payment records, and previous dispute attempts for your review. Please let me know if any further information is needed to facilitate the investigation. I trust that the CFPB will take appropriate action to enforce my rights under the FCRA and ensure that the credit reporting agencies and furnishers comply with federal law. Thank you for your time and attention to this matter. I look forward to your prompt response.

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