Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14232071

Complaint Overview

Complaint ID: 14232071

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: Michigan

ZIP Code: 483XX

Date Received: 2025-06-21T12:00:00-05:00

Date Sent to Company: 2025-06-21T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

This is a follow-up dispute to formally challenge XXXX credit report issued under file number # XXXX on XX/XX/XXXX. I am disputing Experians inaccurate credit reporting of my XXXX XXXX XXXX auto loan. Specifically, I am challenging the XXXX, XXXX, XXXX, XXXX and XXXX day delinquency notations, which are not supported by the payment activity reflected in my bank statements, XXXX XXXX own payment ledger , or the tradeline details. These records clearly contradict the delinquency history reported in the XX/XX/XXXX file. My car note is due on the XXXX of each month, with late fees assessed after the XXXX. However, a fee charged on the XXXX does not justify marking the account as XXXX days late. A XXXX delinquency should only be reported if a full {$390.00} payment is not made within XXXX days of the due date. My records show full and catch-up payments were made consistently, yet XXXX XXXX applied them inconsistentlysometimes reducing the past-due balance, sometimes not. In several cases, XXXX XXXX appears to assert that late fees and interest must also be paid in full for the account to be considered current. This interpretation contradicts the terms of my contract. In some instances, even a {$19.00} late fee was treated as grounds for a delinquency mark, which is improper and misleading. These inconsistencies led to numerous inaccurate late marks on my Experian report, despite my good-faith efforts to remain current. Below is a detailed, month-by-month breakdown comparing Experians reported payment status with my actual bank statement data and known payment arrangements. This reflects numerous reporting inaccuracies that should be corrected. XXXX : XX/XX/XXXX : Reported XXXX days late Paid {$300.00} on XX/XX/XXXX and {$310.00} on XX/XX/XXXX ( {$610.00} total ). Full payment made within the month. Reporting as late is inaccurate. XXXX : XX/XX/XXXX : Reported XXXX days late Paid {$390.00} on XXXX and {$390.00} on XX/XX/XXXX. XXXX full payments made during the month sufficient to bring the account current. Should not be reported as XXXX days late. Highlighted Compliance Violation : XX/XX/XXXX XXXX XXXXXXXX ViolationExperian reported a XXXX delinquency, despite the fact that I made XXXX full payments during XXXX ( XXXX and XX/XX/XXXX ). I was under XXXX XXXX XXXXXXXX Protected Status through XX/XX/XXXX, as confirmed in their XX/XX/XXXX notice, which stated I would not be required to bring the account current during that time. While I missed payments in XXXX and XXXX, I made up the difference in XXXX. Despite this, I was marked XXXX days delinquenta direct violation of the CARES Act, which amended the FCRA to prohibit negative reporting during an accommodation period if the consumer was current before it and complied with the payment terms. This inaccurate reporting is not only damaging but unlawful. * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX ( on time ). * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX ( on time ). * XXXX : Reported XXXX days late No payment made. XXXX days late would be more accurate. * XXXX : Reported XXXX days late Paid {$400.00} on XX/XX/XXXX ( partial, but not XXXX days late ). * XXXX : Reported XXXX days late Paid {$390.00} on XXXX ( full and timely ). * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX ( on time ). * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX ( on time ). * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX ( on time ). * XXXX : Reported XXXX days late No payment. Should reflect XXXX days late, not XXXX. * XXXX : Reported XXXX days late Paid {$200.00} on XXXX and {$250.00} on XX/XX/XXXX ( {$450.00} total ). This exceeded the {$390.00} monthly obligation and was part of a documented payment plan ( see attached emails ). XXXX : * XXXX : Reported XXXX days late Paid {$250.00} on XX/XX/XXXX. Partial, but not XXXX days late. Payment plan in place ( see supporting documentation ). * XXXX : Reported XXXX days late Paid {$250.00} on XX/XX/XXXX. Again partial, but not 90 days late under the agreed payment plan. * XXXX : Reported XXXX days late No payment. Should be XXXX days late based on rolling history. * XXXX : Reported XXXX days late Paid {$250.00} on XXXX and {$500.00} on XX/XX/XXXX. Total : {$750.00}. Full catch-up payment. * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX. Full and timely. * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX. Full and timely. * XXXX : Reported XXXX days late No payment. Last payment was XX/XX/XXXX. Should be XXXX days late at most. * XXXX : Reported XXXX days late Paid {$390.00} on XXXX. * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX. * XXXX : Reported XXXX days late Paid {$400.00} on XX/XX/XXXX. * XXXX : Reported XXXX days late Paid {$400.00} on XX/XX/XXXX. XXXX : * XXXX : Reported XXXX days late Paid {$400.00} on XX/XX/XXXX. * XXXX : Reported XXXX days late Paid {$400.00} on XX/XX/XXXX. * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX. * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX. * XXXX : Reported XXXX days late Paid {$390.00} on XX/XX/XXXX. * XXXX : Reported XXXX days late No payment recorded. At worst, should be XXXX days late. * XXXX : Reported XXXX days late Paid {$800.00} on XX/XX/XXXX. ( More than double the monthly amount. ) * XXXX : Reported XXXX days late No payment. Should be reported as XXXX days late at most. * XXXX : Reported XXXX days late Paid {$600.00} on XX/XX/XXXX. * XXXX : Reported XXXX days late No payment. Should be XXXX days late at most. * XXXX : Reported XXXX days late Paid {$600.00} on XX/XX/XXXX. * XXXX : Reported XXXX days late Paid {$2400.00} on XX/XX/XXXX. ( Major overpayment, yet still reported delinquent. ) XXXX : * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. * XXXX : Reported as No payment. At most, should be XXXX days late. * XXXX : Reported XXXX days late Paid {$800.00} on XX/XX/XXXX. More than sufficient. * XXXX : Reported as XXXX XXXX {$390.00} on XX/XX/XXXX. XXXX : * XXXX XXXX : All months correctly reported as OK with consistent monthly payments of {$390.00}. Summary of Dispute Grounds : * Full payments were made and documented, yet Experian reported XXXX delinquencies. * Partial payments under a documented hardship/payment arrangement were mischaracterized as full delinquencies. * Overpayments still resulted in derogatory reporting. * Delinquency statuses fluctuated month to month ( e.g., XXXX XXXX XXXX XXXX ), despite consistent payment patternsindicating inconsistency and non-compliance with XXXX XXXX guidelines. Request for Reinvestigation : Given the documented discrepancies and supporting evidence provided, I am requesting that Experian immediately correct this tradeline and conduct a full, independent reinvestigation. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), Experian is required to ensure the maximum possible accuracy of the data it furnishes. This obligation can not be satisfied by relying solely on automated responses from the furnisher. If XXXX XXXX can not provide verifiable and contractually valid support for its reported delinquencies, this account must be corrected. Additionally, please confirm in writing : * The method and documentation Experian used to validate these delinquencies. * How the XXXX, XXXX, XXXX, XXXX and XXXX late marks were calculated based on the payment activity detailed in this dispute. Emotional and Financial Harm : As a direct result of Experians continued reporting of inaccurate and misleading delinquency information, I have suffered emotional and financial harm. The false late marks have significantly lowered my credit score and resulted in multiple denials for auto financing and other essential credit opportunities. I have spent countless hours gathering documentation, submitting disputes, and responding to inadequate investigationscausing ongoing stress, anxiety, and frustration. It is emotionally exhausting and financially damaging to be penalized for making good-faith efforts to stay on track with my paymentsparticularly during a national emergency. The reputational harm to my credit profile continues to affect my financial stability and long-term planning. I respectfully request that Experian take immediate action to correct this tradeline, fulfill its duties under federal law, and provide confirmation of all updates made as a result of this dispute.

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