Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12377270
Complaint Overview
Complaint ID: 12377270
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: Arizona
ZIP Code: 85255
Date Received: 2025-03-07T12:00:00-05:00
Date Sent to Company: 2025-03-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute of Inaccurate Late Payment Reporting Request for Removal Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute the inaccurate late payment notations on my credit report for my XXXX XXXX XXXX account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments were reported in error, and I am requesting their immediate removal from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Basis for Dispute 1. Violation of FCRA 1681s-2 ( a ) Duty of Furnishers to Report Accurate Information Throughout the disputed period, I was in continuous communication with a XXXX XXXX XXXX representative XXXX who assured me that I would not be subjected to late charges or negative reporting as long as I continued making payments. I made partial payments during this time and have since brought my account completely current. 2. Violation of FCRA 1681e ( b ) Obligation to Ensure Maximum Accuracy Despite verbal assurances from XXXX XXXX XXXX, the account was incorrectly reported as late, causing a severe drop in my XXXX XXXX from XXXX to the XXXX. This inaccuracy does not reflect my actual payment history and must be corrected. 3. Violation of FCRA 1681i My Right to Dispute Inaccurate Information I am formally disputing these late payments as they are misleading and unfairly damaging my credit profile. As a consumer, I have the right to ensure that only accurate and verifiable information appears on my credit file. Requested Resolution I formally request the following actions : 1. A thorough reinvestigation and immediate removal of the late payment entries for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit file. 2. Notification to XXXX XXXX XXXX that these late payments have been disputed and must be corrected. 3. A written response confirming the updated status of my credit report. As required by law, you have 30 days to complete this reinvestigation. If these inaccuracies are not corrected, I will escalate my dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I reserve the right to pursue legal remedies under FCRA 1681n and 1681o for damages caused by this inaccurate reporting. Please send confirmation of the removal to my address above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12377270 about?
Complaint #12377270 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 2025-03-07T12:00:00-05:00.
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.