Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13271708
Complaint Overview
Complaint ID: 13271708
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: North Carolina
ZIP Code: 27253
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute Request for Deletion of All Late Payment Notations from Credit File Dear Dispute Department, I am writing to formally dispute all late payment entries being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my rights to have outdated, inaccurate, or unverifiable negative information removed. Specifically, I am citing : 15 U.S.C. 1681c ( a ) ( 5 ) which limits the reporting of late payments to seven ( 7 ) years from the original delinquency date 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy in all reported information Upon reviewing my credit reports, I have identified multiple accounts reporting late payments that either : - Exceed the 7-year reporting limit- Are inconsistent or unverifiable in their delinquency status - Reflect payment errors on accounts that were otherwise paid or closed -- - # # # I am disputing late payments reported on the following accounts : XXXX. XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) XXXX. XXXX XXXX XXXX ( Accounts ending in XXXX and XXXX ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. XXXXXXXX XXXX XXXX Account ending in XXXX ) XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. XXXX ( Accounts ending in XXXX and XXXX ) -- - These derogatory marks are negatively affecting my creditworthiness. I respectfully request that each late payment entry be fully verified for accuracy and legal compliance. If the information can not be verified or is found to be inaccurate, I request that the entry be permanently deleted from my credit reports. Enclosures : Copy of government-issued ID Proof of address Credit report entries Please provide written confirmation of your reinvestigation / deletion and a corrected copy of my credit report within 30 days as required under FCRA guidelines XXXX Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13271708 about?
Complaint #13271708 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-30T12:00:00-05:00.
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.