Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18030392
Complaint Overview
Complaint ID: 18030392
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: Washington
ZIP Code: XXXXX
Date Received: 2025-12-14T12:00:00-05:00
Date Sent to Company: 2025-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian is reporting multiple Department of Education/NELN student loan accounts as having two late payments each, even though all of the accounts were paid in full and closed due to transfer. The accounts were opened in XXXX and XX/XX/XXXX with original balances of approximately {$2800.00}, {$3500.00}, {$3800.00}, and {$5900.00}. Each account currently reflects a {$0.00} balance and a status of Transferred, Closed. The records also show that the final payment was made on XX/XX/XXXX, and that the accounts were closed due to transfer, with status updates reflected in XX/XX/XXXX. Despite the accounts being paid and closed, Experian continues to display late payment indicators on each of these accounts. The payment histories shown on Experian contain inconsistent and unclear information, including months marked as ND, unexplained status codes, and no listed monthly payment amount. This makes it unclear how any late payment determination was calculated or supported. Once the accounts were transferred and closed, there was no ongoing payment obligation that could reasonably be reported as delinquent. Reporting late payments on accounts that are paid, transferred, and closed misrepresents the actual account history and has negatively impacted my credit file. I am disputing this information because the late payment reporting is inaccurate, unsupported by clear payment data, and inconsistent with the paid and closed status of the accounts.
Frequently Asked Questions
What is Complaint #18030392 about?
Complaint #18030392 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 2025-12-14T12:00:00-05:00.
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.