Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19572946
Complaint Overview
Complaint ID: 19572946
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: California
ZIP Code: 92411
Date Received: 2026-02-17T12:00:00-05:00
Date Sent to Company: 2026-02-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute of Inaccurate Late Payments Demand for Deletion and Proof of Permissible Purpose To : Experian , Equifax, and TransUnion CC : Consumer Financial Protection Bureau ( CFPB ) I am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable 15 U.S.C. consumer protection laws regarding inaccurate late payments reporting on my consumer reports. Accounts : XXXX XXXX {$100000.00} Late payments reported : XX/XX/XXXX ; XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX {$78000.00} Late payments reported : XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX You are reporting derogatory payment history without providing proof that : you had a permissible purpose to publish this information ( 15 U.S.C. 1681b ) the information meets maximum possible accuracy standards ( 1681e ( b ) ) a reasonable reinvestigation has been performed ( 1681i ( a ) ) the furnisher certified accuracy ( 1681s-2 ) I demand the following : Full Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ) including : original contractual agreement bearing my signature complete payment history ledger evidence of delinquency calculation furnisher certification of accuracy proof of lawful permissible purpose Immediate deletion of all disputed late payments listed above if documentation can not be produced. Correction to Paid as Agreed for each affected month across all reporting agencies. Failure to provide documentary evidence constitutes unverifiable information and requires deletion under federal law. Continued reporting without validation will be considered willful non-compliance subject to civil liability under 15 U.S.C. 1681n and 1681o. Please complete reinvestigation and confirm corrections in writing. XXXX XXXX
Frequently Asked Questions
What is Complaint #19572946 about?
Complaint #19572946 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 2026-02-17T12:00:00-05:00.
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.