{"took":144,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1992,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18027683","_score":16.51793,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of the previous investigation in regards to the XXXX  XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX  shows the XX/XX/year> payment as PAID ON TIME/ NOT LATE, while TRANSUNION and EXPERIAN shows 30 days late. The TRANSUNION and EXPERIAN report is inaccurate as the other credit bureau shows they are PAID ON TIME. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late. If you can not provide me with this information in 15 days, update the XXXX  XXXX XXXX account for to PAID/NEVER LATE in regard to XX/XX/year> and send me a copy of my updated credit report.","date_sent_to_company":"2025-12-14T16:58:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11385","tags":null,"has_narrative":true,"complaint_id":"18027683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-14T16:47:47.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am now requesting proof of the previous investigation in regards to the XXXX  XXXX XXXX <em>account</em> XXXXXXXX XXXX XXXX XXXX XXXX  XXXX  <em>shows</em> the XX/XX/year> payment as <em>PAID</em> ON TIME/ NOT LATE, while TRANSUNION and <em>EXPERIAN</em> <em>shows</em> 30 <em>days</em> late. The TRANSUNION and <em>EXPERIAN</em> report is inaccurate as the other credit bureau <em>shows</em> they are <em>PAID</em> ON TIME."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.51793,"18027683"]},{"_index":"complaint-public-v1","_id":"12990745","_score":16.441568,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I paid my XXXX XXXX account in full. Experian and XXXX both show this account as paid and closed as of XX/XX/XXXX. Despite this, the payment history reports the account as 30 days late in February 2023, 60 days in XXXX, 90 days in XXXX, and in collections from XXXX through XX/XX/XXXX. However, the balance was {$32.00} and marked as paid on XX/XX/XXXX, with no scheduled or missed payments in XXXX. \n\nThis is inaccurate and misleading. No new activity occurred, and I was never notified of any delinquency or collection activity. I disputed this with Experian, but they refused to remove the false derogatory marks, even though their own report shows no valid grounds for them. I am requesting deletion of all incorrect late and collection entries from this paid account.","date_sent_to_company":"2025-04-15T06:09:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"73099","tags":"Servicemember","has_narrative":true,"complaint_id":"12990745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-15T05:57:19.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX, I <em>paid</em> my XXXX XXXX <em>account</em> in full. <em>Experian</em> and XXXX both <em>show</em> this <em>account</em> as <em>paid</em> and closed as of XX/XX/XXXX. Despite this, the payment history reports the <em>account</em> as 30 <em>days</em> late in February 2023, 60 <em>days</em> in XXXX, 90 <em>days</em> in XXXX, and in collections from XXXX through XX/XX/XXXX. However, the balance was {$32.00} and marked as <em>paid</em> on XX/XX/XXXX, with no scheduled or missed payments in XXXX. \n\nThis is inaccurate and misleading."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.441568,"12990745"]},{"_index":"complaint-public-v1","_id":"2291042","_score":16.400297,"_source":{"product":"Credit reporting","complaint_what_happened":"I paid off my XXXX XXXX XXXX account. The XXXX 2015 block shows closed, but the XXXX block shows 30 days past due even though the account was already paid in full by then. They then showed XXXX and XXXX as closed as well. I disputed this with Experian and they replied that it could not be changed.","date_sent_to_company":"2017-01-15T23:29:03.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"44095","tags":null,"has_narrative":true,"complaint_id":"2291042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-01-15T23:29:02.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status"},"highlight":{"complaint_what_happened":["I <em>paid</em> off my XXXX XXXX XXXX <em>account</em>. The XXXX 2015 block <em>shows</em> closed, but the XXXX block <em>shows</em> 30 <em>days</em> past due even though the <em>account</em> was already <em>paid</em> in full by then. They then <em>showed</em> XXXX and XXXX as closed as well. I disputed this with <em>Experian</em> and they replied that it could not be changed."],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> status"]},"sort":[16.400297,"2291042"]},{"_index":"complaint-public-v1","_id":"7938191","_score":16.295307,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - XXXX XXXX XXXX XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported 60 past due. This does not correspond with the dates reported in EXPERIAN and XXXX, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect.\n\nEXPERIAN : EXPERIAN states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX  30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. \n\nXXXX : XXXX shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. \n\nPlease update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.","date_sent_to_company":"2023-12-02T21:10:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77090","tags":null,"has_narrative":true,"complaint_id":"7938191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-02T21:09:59.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX : XXXX <em>shows</em> XXXX XXXX 30 day past due, XXXX XXXX 60 <em>days</em> past due. and then XXXX XXXX, 30 <em>days</em> past due. XXXX <em>shows</em> the <em>account</em> was <em>Paid</em>, closed ; was <em>Paid</em> as agreed. It is not possible to be <em>paid</em> as agreed and still have late payments simultaneously. Please update the <em>account</em> to fully <em>paid</em> on as agreed. Meaning NO late payments should appear in this file because it was <em>paid</em> on fully as agreed. \n\nPlease update these <em>accounts</em> to fully <em>paid</em> on as agreed."],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.295307,"7938191"]},{"_index":"complaint-public-v1","_id":"7941273","_score":16.281021,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - XXXX XXXXXXXX XXXX XX/XX/XXXX was reported XXXX past due, XX/XX/XXXX was reported XXXX  days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in EXPERIAN and XXXX, as they report XX/XX/XXXX - XXXX  day past due, XX/XX/XXXX - XXXX  days past due. and then XX/XX/XXXX XXXX days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. EXPERIAN : EXPERIAN states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. XXXX : XXXX shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.","date_sent_to_company":"2023-12-03T01:22:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77090","tags":null,"has_narrative":true,"complaint_id":"7941273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-03T01:22:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX : XXXX <em>shows</em> XXXX XXXX XXXX day past due, XXXX XXXX XXXX <em>days</em> past due. and then XXXX XXXX XXXX <em>days</em> past due. XXXX <em>shows</em> the <em>account</em> was <em>Paid</em>, closed ; was <em>Paid</em> as agreed. It is not possible to be <em>paid</em> as agreed and still have late payments simultaneously. Please update the <em>account</em> to fully <em>paid</em> on as agreed. Meaning NO late payments should appear in this file because it was <em>paid</em> on fully as agreed. Please update these <em>accounts</em> to fully <em>paid</em> on as agreed."],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.281021,"7941273"]},{"_index":"complaint-public-v1","_id":"5723671","_score":16.273788,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX  shows \" Paid, was past due 180 days or more '' which is incorrect. Account was never late. XXXX and XXXX credit report show \" Paid, never late. '' Experian needs to update this record to \" Paid, never late. ''","date_sent_to_company":"2022-06-30T18:27:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5723671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-30T18:22:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX  <em>shows</em> \" <em>Paid</em>, was past due 180 <em>days</em> or more '' which is incorrect. <em>Account</em> was never late. XXXX and XXXX credit report <em>show</em> \" <em>Paid</em>, never late. '' <em>Experian</em> needs to update this record to \" <em>Paid</em>, never late. ''"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.273788,"5723671"]},{"_index":"complaint-public-v1","_id":"9156259","_score":16.25357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my Experian account is showing XXXX was paid on time, XXXX was XXXX  days late, and XXXX was XXXX days late, However XXXX shows XXXX was paid on time, XXXX was XXXX  days late and XXXX was paid on time, XXXX shows XXXX was paid on time, XXXX was XXXX  days late XXXX was XXXX  days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you","date_sent_to_company":"2024-06-01T15:54:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91737","tags":null,"has_narrative":true,"complaint_id":"9156259","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-01T15:33:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I took another look at credit report, I just saw somethings that need some attention, concerning, this <em>account</em>, This late payment is reporting incorrectly, for example my <em>Experian</em> <em>account</em> is showing XXXX was <em>paid</em> on time, XXXX was XXXX  <em>days</em> late, and XXXX was XXXX <em>days</em> late, However XXXX <em>shows</em> XXXX was <em>paid</em> on time, XXXX was XXXX  <em>days</em> late and XXXX was <em>paid</em> on time, XXXX <em>shows</em> XXXX was <em>paid</em> on time, XXXX was XXXX  <em>days</em> late XXXX was XXXX  <em>days</em> late."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.25357,"9156259"]},{"_index":"complaint-public-v1","_id":"3183756","_score":16.093765,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX has the count as 120 days late on XXXX, XXXX  but it's showing as 150 days late on Experian. Also on both XXXX and Experian the payment status shows paid but on XXXX it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.","date_sent_to_company":"2019-03-19T06:39:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"231XX","tags":null,"has_narrative":true,"complaint_id":"3183756","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-03-19T02:39:37.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX has the count as 120 <em>days</em> late on XXXX, XXXX  but it's showing as 150 <em>days</em> late on <em>Experian</em>. Also on both XXXX and <em>Experian</em> the payment status <em>shows</em> <em>paid</em> but on XXXX it <em>shows</em> derogatory. Nothing about the <em>account</em> is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report."],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.093765,"3183756"]},{"_index":"complaint-public-v1","_id":"9702425","_score":16.037882,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently reviewed my credit report and noticed an account that was not reporting accurately.i had two late payment on a account that was in fact paid on time.the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments.Ive attached a copy of my report to this complaint on the following XXXX dates for XXXX XXXX account XXXX shows a late payment on XX/XX/XXXX. It says 30 days late. XXXX dates for XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It says 60 days late. Experian dates for XXXX XXXX account XXXX shows a late payment XXXX XXXX says 30 days late. \n\nThe 2nd error on all three credit bureaus reports comparisons is XXXX dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It states in been late 30 days. Experian dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. Its been late for 30 days.Equifax dates for XXXX XXXX XXXX co account XXXX shows a late payment XX/XX/XXXX. It says 60 days.im now requesting you to investigate the accounts and update these payments to paid on time immediately.thank you for understanding and prompt action.","date_sent_to_company":"2024-08-05T04:47:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"9702425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-05T04:47:08.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX dates for XXXX XXXX <em>account</em> XXXX <em>shows</em> a late payment XX/XX/XXXX. It says 60 <em>days</em> late. <em>Experian</em> dates for XXXX XXXX <em>account</em> XXXX <em>shows</em> a late payment XXXX XXXX says 30 <em>days</em> late. \n\nThe 2nd error on all three credit bureaus reports comparisons is XXXX dates for XXXX XXXX XXXX <em>account</em> XXXX <em>shows</em> a late payment XX/XX/XXXX. It states in been late 30 <em>days</em>. <em>Experian</em> dates for XXXX XXXX XXXX <em>account</em> XXXX <em>shows</em> a late payment XX/XX/XXXX."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.037882,"9702425"]},{"_index":"complaint-public-v1","_id":"3513855","_score":16.035994,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is regarding XXXX ( Utah XXXX XXXX XXXX  XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, serviced my student loan from XX/XX/XXXX until I paid the loan off early in XX/XX/XXXX. I never paid them late. \n\nIn early XX/XX/XXXX after more than 30 days since I had paid off my student loan in full, XXXX was still reporting to Experian, XXXX  and XXXX  that is was an open trade line on my credit report, with a balance. I contacted XXXX on XX/XX/XXXX and was told to call back in another 90 to 180 days if it still shows an open account. \n\nI then chose on XX/XX/XXXX to dispute the account with Experian, XXXX  and XXXX  even providing them the copy of the letter from XXXX ( XXXX XXXX ) stating my loan was paid and closed. \n\nOn XXXX XXXX XXXX I was notified thru my credit monitoring service that the XXXX account status changed on both my XXXX  and Experian credit reports. \n\nIt now showed the account was marked as \" closed '' but still had a balance of {$2000.00}, that it was XXXX  month revolving loan, that it was opened in XXXX, and most upsetting it shows there was a late payment of 60 days past due in XXXX XXXX and 90 days past due in XX/XX/XXXX. \n\nFIRST AND FOREMOST I NEVER, NOT ONCE EVER PAID THIS LOAN LATE. I HAD AN XXXX CREDIT SCORE AND WAS IN THE PROCESS OF BUYING A HOUSE. \n\nFURTHERMORE EVERY ACCOUNT DETAIL LISTED ON THE XXXX TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; XXXX. ACCOUNT SHOWS BALANCE, WHEN IN FACT MY ACCOUNT IS CLOSED AND WAS PAID OFF. \n2. ACCOUNT SHOWS AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN 3. ACCOUNT SHOWS I WAS LATE 60 DAYS XX/XX/XXXX AND 90 DAYS XX/XX/XXXX. I WAS LATE NEITHER OF THOSE MONTHS. INTERESTINGLY ENOUGH UHEAA DID NOT EVEN SERVICE THIS LOAN UNTIL XXXX OF XXXX WHEN THEN BOUGHT OUT XXXX XXXX XXXX. ( I HAVE ALSO CONFIRMED WITH ACS THAT ANY PAYMENT TO THEM WE MADE ON TIME ) ** IN REGARDS TO THE XXXX TRADE LINE ON MY CREDIT REPORT, PRIOR TO MY PAYING OFF THE LOAN IT NEVER HAD INCORRECT INFO LISTED. THE BALANCE, TERMS, AMOUNT AND EVERYTHING WAS CORRECT. \n\nXXXX THE INITAL DISPUTE WAS BECAUSE XXXX FAILED TO UPDATE THE ACCOUNT AND MARK AS PAID AND CLOSED UPON ME PAYING IT OFF **** RATHER THAN CORRECTING IT, THE CHOSE TO FALSELY ADD XXXX LATE PAYMENT THAT DID NOT HAPPEN. \n\nI have contacted XXXX several times via telephone. each representative has told me they system shows it paid closed, at a zero balance and no late payment were ever made. \n\nExperian has initiated another dispute, but has indicated they can not correct the issues since the issues is coming from what XXXX is reporting. \n\nXXXX  shows the same information as Experian does, however XXXX  does not. XXXX   is showing correctly with not late payment for XXXX.","date_sent_to_company":"2020-01-30T05:32:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"811XX","tags":null,"has_narrative":true,"complaint_id":"3513855","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-01-30T00:32:04.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FURTHERMORE EVERY <em>ACCOUNT</em> DETAIL LISTED ON THE XXXX TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; XXXX. <em>ACCOUNT</em> <em>SHOWS</em> BALANCE, WHEN IN FACT MY <em>ACCOUNT</em> IS CLOSED AND WAS <em>PAID</em> OFF. \n2. <em>ACCOUNT</em> <em>SHOWS</em> AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN 3. <em>ACCOUNT</em> <em>SHOWS</em> I WAS LATE 60 <em>DAYS</em> XX/XX/XXXX AND 90 <em>DAYS</em> XX/XX/XXXX. I WAS LATE NEITHER OF THOSE MONTHS."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.035994,"3513855"]},{"_index":"complaint-public-v1","_id":"13868332","_score":15.980472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to the XXXX credit bureaus. Information is not reported the same across the credit bureaus. With each bureau reporting something different there is no way this account information is correct. Examples of the inaccuracies are as followed, ACCOUNT STATUS : XXXX shows the account as closed, while EXPERIAN AND XXXX shows the account as paid. DATE OPENED : XXXX shows the account being opened on XX/XX/XXXX, while EXPERIAN AXXXX XXXX  shows the account being opened on XX/XX/XXXX. LAST REPORTED : XXXX shows the account was last reported on XX/XX/XXXX, EXPERIAN shows the account was last reported on XX/XX/XXXX. and XXXX  shows the account was last reported on XX/XX/XXXX. DATE LAST ACTIVE : XXXX  shows XX/XX/XXXX, EXPERIAN shows XX/XX/XXXX. and XXXX  does not show anything. PAYMENT HISTORY : XXXX  AND EXPERIAN shows late XXXX  days in XXXX of XXXX, while XXXX  shows late XXXX days in XXXX of XXXX. XXXX of XXXX XXXX AND EXPERIAN shows late XXXX days, while XXXX shows OK payment status. With all of these inaccuracies across the credit bureaus this account is in violation of Section 623 ( a ) of the FCRA ( 15 U.S.C. 1681s-2 ) which requires that furnishers of information to credit reporting agencies provide accurate and complete information and correct any inaccuracies they discover. This information can not be accurate if different things are being reported across the credit bureaus.","date_sent_to_company":"2025-06-03T13:34:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37167","tags":null,"has_narrative":true,"complaint_id":"13868332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-03T13:33:36.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PAYMENT HISTORY : XXXX  AND <em>EXPERIAN</em> <em>shows</em> late XXXX  <em>days</em> in XXXX of XXXX, while XXXX  <em>shows</em> late XXXX <em>days</em> in XXXX of XXXX. XXXX of XXXX XXXX AND <em>EXPERIAN</em> <em>shows</em> late XXXX <em>days</em>, while XXXX <em>shows</em> OK payment status."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[15.980472,"13868332"]},{"_index":"complaint-public-v1","_id":"1516922","_score":15.940404,"_source":{"product":"Credit reporting","complaint_what_happened":"I paid an account XXXX XXXX XXXX XXXX 25 days late and it appears on my credit report XXXX Experian only ) as 30 days late. I called Experian to dispute the inaccuracy but they tell me that creditors are indeed allowed to report an account 30 days late even though it may have been less than 30 days late. \n\nI disputed the account status and the investigation results show that the account will remain as 30 days late. \n\nI then contacted XXXX XXXX, Director XXXX XXXX XXXX for Experian on XXXX and asked him if paying even 1 day late can show on my credit report as 30 days late and he said NO. \n\nI do n't understand what is going on at Experian. Customer service and XXXX XXXX are saying contradicting information. \n\nI am attaching three documents:1. Investigation Results2. Credit Report showing 30 day late payment3. Payment history for XXXX XXXX showing I never paid more than 30 days late4. XXXX Screen-shot where XXXX XXXX says that a full billing cycle must pass before the account is reported as 30 days late","date_sent_to_company":"2015-08-13T03:49:54.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"78577","tags":null,"has_narrative":true,"complaint_id":"1516922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-08-13T03:49:53.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account status"},"highlight":{"complaint_what_happened":["I <em>paid</em> an <em>account</em> XXXX XXXX XXXX XXXX 25 <em>days</em> late and it appears on my credit report XXXX <em>Experian</em> only ) as 30 <em>days</em> late. I called <em>Experian</em> to dispute the inaccuracy but they tell me that creditors are indeed allowed to report an <em>account</em> 30 <em>days</em> late even though it may have been less than 30 <em>days</em> late. \n\nI disputed the <em>account</em> status and the investigation results <em>show</em> that the <em>account</em> will remain as 30 <em>days</em> late."],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> status"]},"sort":[15.940404,"1516922"]},{"_index":"complaint-public-v1","_id":"2650789","_score":15.912122,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian is incorrectly reporting that I was 30 days past due in XX/XX/XXXX for my XXXX XXXX XXXX auto loan. I do n't know how this happened. For years, this account has been paid off and closed and has n't reported activity since XX/XX/XXXX. Since XXXX, this account has been reported as a paid off account that was always paid satisfactorily and never late. The account number is \" XXXX ''. I am attaching a screenshot of a bank report from XX/XX/XXXXof this year that shows how Experian did not have a late on this account. Somehow last month, Experian started reporting that I was 30 days late in XXXX of XXXX. I was shocked to find this out because this is incorrect inaccurate information and needs to be deleted immediately. I know this for a fact as I still have all of my monthly statements. Moreover, XXXX and XXXX are not reporting a late on this account. This is more reason to believe Experian is making this reporting mistake. I will also be including a section of a recent report which shows how only Experian is making this mistake.","date_sent_to_company":"2017-08-25T18:02:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32714","tags":null,"has_narrative":true,"complaint_id":"2650789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-08-25T17:57:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Experian</em> is incorrectly reporting that I was 30 <em>days</em> past due in XX/XX/XXXX for my XXXX XXXX XXXX auto loan. I do n't know how this happened. For years, this <em>account</em> has been <em>paid</em> off and closed and has n't reported activity since XX/XX/XXXX. Since XXXX, this <em>account</em> has been reported as a <em>paid</em> off <em>account</em> that was always <em>paid</em> satisfactorily and never late. The <em>account</em> number is \" XXXX ''."],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[15.912122,"2650789"]},{"_index":"complaint-public-v1","_id":"9762324","_score":15.868802,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The information reported under this account is factually incorrect. I recently pulled my credit reports and noticed you are reporting incorrect information ( high balance, last verified date, remarks and late payments ) for this account ( XXXX XXXX XXXX ). \n\nHigh Balance across the three credit bureaus are inconsistent XXXX {$430.00}, Experian {$430.00} and XXXX shows {$300.00} Date opened shows inconsistencies XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XXXX shows XX/XX/XXXX Creditor Type shows inconsistencies shows that says it's a XXXX XXXX XXXX XXXX XXXX  Experian- XXXX XXXX XXXX and XXXX shows All Banks Creditor remarks shows says XXXX- Cancelled by credit grantor/, Experian XXXX has been closed due to inactivity and XXXX shows Closed or paid account/XXXX  balance/account is closed by XXXX XXXX all show signs of inconsistencies Last payments show that XXXX and Experian has a last payment day of XX/XX/XXXX while XXXX shows a last payment as of XX/XX/XXXX XXXX XXXX Reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. \nExperian : Also reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as XXXX. \nXXXX : Reports a late payment in XX/XX/XXXX ( 30 days late ), which is inconsistent with the records from XXXX and Experian","date_sent_to_company":"2024-08-11T18:27:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98499","tags":"Servicemember","has_narrative":true,"complaint_id":"9762324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-11T18:27:44.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["High Balance across the three credit bureaus are inconsistent XXXX {$430.00}, <em>Experian</em> {$430.00} and XXXX <em>shows</em> {$300.00} Date opened <em>shows</em> inconsistencies XXXX XX/XX/XXXX, <em>Experian</em> XX/XX/XXXX and XXXX <em>shows</em> XX/XX/XXXX Creditor Type <em>shows</em> inconsistencies <em>shows</em> that says it's a XXXX XXXX XXXX XXXX XXXX  <em>Experian</em>- XXXX XXXX XXXX and XXXX <em>shows</em> All Banks Creditor remarks <em>shows</em> says XXXX- Cancelled by credit grantor/, <em>Experian</em> XXXX has been closed due to inactivity and XXXX <em>shows</em> Closed or <em>paid</em> <em>account</em>"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[15.868802,"9762324"]},{"_index":"complaint-public-v1","_id":"3152662","_score":15.79347,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Have been trying for over a month to purchase a home I already have a contract on. Experian is reporting 4 accounts currently late when they are paid in full. It has been disputed directly with them and they are not correcting. XXXX  and XXXX have it correct. It makes sense that if an account has been paid in full, and they are reporting that, that the account can not be currently past due. 3 of them were never even late, they were sold to other creditors. The in-correct accounts are as follows on their report : XXXX XXXX. Account no XXXX, shows XXXX balance and 30 days late now. \nXXXX XXXX Account no. XXXX, shows XXXX balance and 90 days late now. \nXXXX XXXX Account no. XXXX, shows XXXX balance and 30 days late now. \nXXXX XXXX XXXX ( Student loan that was sold ), Account no. XXXX, shows XXXX balance and 120 days late now ( Was never late ). \n\nI am getting ready to loose my new home and would appreciate any help you can give. Experian will not correct this.","date_sent_to_company":"2019-02-14T21:43:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"306XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3152662","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-02-14T21:26:25.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Account</em> no XXXX, <em>shows</em> XXXX balance and 30 <em>days</em> late now. \nXXXX XXXX <em>Account</em> no. XXXX, <em>shows</em> XXXX balance and 90 <em>days</em> late now. \nXXXX XXXX <em>Account</em> no. XXXX, <em>shows</em> XXXX balance and 30 <em>days</em> late now. \nXXXX XXXX XXXX ( Student loan that was sold ), <em>Account</em> no. XXXX, <em>shows</em> XXXX balance and 120 <em>days</em> late now ( Was never late ). \n\nI am getting ready to loose my new home and would appreciate any help you can give. <em>Experian</em> will not correct this."],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[15.79347,"3152662"]},{"_index":"complaint-public-v1","_id":"11553252","_score":15.732943,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX account on my experian shows XXXX 60 days late for XXXX and XXXX. Shows im past due {$450.00} which is incorrect i have paid them up to date and they had reported accurate up to XXXX and when i went to dispute it with experian they put it as delinquient and shows late which is incorrect. I am in process of a mortgage loan and this is affecting me i need this resolved as soon as possible","date_sent_to_company":"2025-01-15T17:23:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"993XX","tags":null,"has_narrative":true,"complaint_id":"11553252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-15T17:14:04.000Z","state":"WA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX <em>account</em> on my <em>experian</em> <em>shows</em> XXXX 60 <em>days</em> late for XXXX and XXXX. <em>Shows</em> im past due {$450.00} which is incorrect i have <em>paid</em> them up to date and they had reported accurate up to XXXX and when i went to dispute it with <em>experian</em> they put it as delinquient and <em>shows</em> late which is incorrect. I am in process of a mortgage loan and this is affecting me i need this resolved as soon as possible"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[15.732943,"11553252"]},{"_index":"complaint-public-v1","_id":"3246897","_score":15.714787,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was paid XXXX auto deduct from bank account. XX/XX/XXXX Negative Charge off on my credit report. I contacted XXXX referred to XXXX. Balance \" XXXX '', I paid XXXX. After over 20 disputes to Experian & 50 + to XXXX who does not check my payments. XX/XX/XXXX XXXX XXXX Branch Mgr. took the time to research. Attached letter. XX/XX/XXXX they started sending me checks for overpayment made auto direct bank account. This shows a Red Negative On Experian Report. It should show over 60 days Not Negative Red. This is seen as a bankruptcy or judgement. I paid ... Experian sends to XXXX   who refused to remove RED negative Chargeoff NOW {$6900.00}. XXXX XXXX XXXX removed from report this dispute with attached letter. Please help me, Experian should remove RED negative. It will show on 60 over category. I have 3 other accounts I paid over 60. This is the only account with RED negative. My score XXXX I am XXXX with fixed income. I spent my retirement check paying all debts. This is wrong and Experian will not code correctly. This is my last resort, I will have charge off for 7 yrs on account I paid in full. As it turns out I paid TOO much. Good luck and God Bless","date_sent_to_company":"2019-05-19T06:27:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78109","tags":null,"has_narrative":true,"complaint_id":"3246897","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-19T01:58:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It should <em>show</em> over 60 <em>days</em> Not Negative Red. This is seen as a bankruptcy or judgement. I <em>paid</em> ... <em>Experian</em> sends to XXXX   who refused to remove RED negative Chargeoff NOW {$6900.00}. XXXX XXXX XXXX removed from report this dispute with attached letter. Please help me, <em>Experian</em> should remove RED negative. It will <em>show</em> on 60 over category. I have 3 other <em>accounts</em> I <em>paid</em> over 60. This is the only <em>account</em> with RED negative. My score XXXX I am XXXX with fixed income."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[15.714787,"3246897"]},{"_index":"complaint-public-v1","_id":"3395292","_score":15.689995,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian is reporting 3 different 30 day late payments on my Credit report. I have paid thousands of payments on time because they are all set up on automatic bank draft. These three accounts were all paid on time and are reflected as so on the other credit bureaus except Experian. I sent letters but they come back \" Verified '' I do not know how something can be Verified when it is incorrect? I have over 16 years of perfect payment history on my Credit reports and these three errors are causing me great distress. \nXXXX/XXXX XXXX shows a XX/XX/XXXX 30 days late. \nXXXX XXXX shows a XX/XX/XXXX 30 days late and XXXX XXXX*** shows a XX/XX/XXXX 30 day late.","date_sent_to_company":"2019-10-04T04:32:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"645XX","tags":null,"has_narrative":true,"complaint_id":"3395292","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-10-04T00:22:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX/XXXX XXXX <em>shows</em> a XX/XX/XXXX 30 <em>days</em> late. \nXXXX XXXX <em>shows</em> a XX/XX/XXXX 30 <em>days</em> late and XXXX XXXX*** <em>shows</em> a XX/XX/XXXX 30 day late."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[15.689995,"3395292"]},{"_index":"complaint-public-v1","_id":"8931696","_score":15.685763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I continue to request Experian remove inaccurate and erroneous information. Experian refuses to provide said information. \nI have provided the information required to show that all my accounts have been paid as agreed, and never 30 days late.","date_sent_to_company":"2024-05-05T11:17:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"210XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8931696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-05T11:06:36.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I continue to request <em>Experian</em> remove inaccurate and erroneous information. <em>Experian</em> refuses to provide said information. \nI have provided the information required to <em>show</em> that all my <em>accounts</em> have been <em>paid</em> as agreed, and never 30 <em>days</em> late."],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[15.685763,"8931696"]},{"_index":"complaint-public-v1","_id":"13192533","_score":15.682549,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of the previous investigation on the account below. \n\nExperian XXXX XXXX XXXX XXXX XXXXXXXX Experian Report Number : XXXX the original dispute was for XX/XX/year> and XX/XX/year>. Now the updated report shows that being paid on time. But now it shows XX/XX/year> and XXXX XXXX  30 days late. Clearly this is inaccurate. \n\nI'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit","date_sent_to_company":"2025-04-27T02:06:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48195","tags":null,"has_narrative":true,"complaint_id":"13192533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-27T01:53:21.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am now requesting proof of the previous investigation on the <em>account</em> below. \n\n<em>Experian</em> XXXX XXXX XXXX XXXX XXXXXXXX <em>Experian</em> Report Number : XXXX the original dispute was for XX/XX/year> and XX/XX/year>. Now the updated report <em>shows</em> that being <em>paid</em> on time. But now it <em>shows</em> XX/XX/year> and XXXX XXXX  30 <em>days</em> late. Clearly this is inaccurate."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[15.682549,"13192533"]},{"_index":"complaint-public-v1","_id":"4739588","_score":15.678541,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I paid off my car loan with XXXX XXXX. XXXX  did not send the payoff information/account status to all three Bureau 's until XXXX XXXX XXXX. When they did, XXXX and XXXX showed my account to be paid/closed and paid as agreed. Experian showed the same, but it also showed the account was 60 days past due of XXXX XXXX. On two separate occasions I sent Experian the proper documentation showing I had no delinquency 's. I then contacted both parties to have them correct the issue, neither party would do so. They both put the matter in dispute with a 30/40 day period wait. Finally on XXXX XXXX XXXX, XXXX XXXX sent the proper reporting 's to all three Bureaus. XXXX and XXXX updated their system on XX/XX/XXXX. I called Experian on the XXXX to have them do the same. I informed them that the other two Bureaus did so, yet Experian contuses to give me the run around. There saying it can take up to another 30 days for it to reflect on my credit. Meanwhile, my credit score has dropped 70 points as of XXXX XXXX. It has taken me a long time to have a excellent credit report, something I am very proud of. Yet, Experian refuses to correct the issue, even thought they have all the necessary documentations from myself and XXXX XXXX.","date_sent_to_company":"2021-09-21T16:56:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85382","tags":null,"has_narrative":true,"complaint_id":"4739588","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-09-21T16:03:25.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I <em>paid</em> off my car loan with XXXX XXXX. XXXX  did not send the payoff information/<em>account</em> status to all three Bureau 's until XXXX XXXX XXXX. When they did, XXXX and XXXX <em>showed</em> my <em>account</em> to be <em>paid</em>/closed and <em>paid</em> as agreed. <em>Experian</em> <em>showed</em> the same, but it also <em>showed</em> the <em>account</em> was 60 <em>days</em> past due of XXXX XXXX. On two separate occasions I sent <em>Experian</em> the proper documentation showing I had no delinquency 's."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[15.678541,"4739588"]},{"_index":"complaint-public-v1","_id":"8613132","_score":15.66354,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had paid XXXX XXXX XXXX immediately the same day it showed up under my collections on Experian. XXXX said they would update my account and notify Experian that it had been paid in full and that it should be removed from Collections. They also said they would send me a statement in the mail of my closed paid in full account. As of today it is still incorrectly showing on my report. I notified Experian of this improper account, with proof of receipt. Experian although opened an investigation closed it out a few days later with no modifications, no message and no report, and no evidence as to why the account is remaining incorrectly. \n\nExperian is not following the rules and investigation Protocol under the consumer rights act. \n\nThis account needs to be removed","date_sent_to_company":"2024-03-25T02:06:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"8613132","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-25T01:39:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I had <em>paid</em> XXXX XXXX XXXX immediately the same day it <em>showed</em> up under my collections on <em>Experian</em>. XXXX said they would update my <em>account</em> and notify <em>Experian</em> that it had been <em>paid</em> in full and that it should be removed from Collections. They also said they would send me a statement in the mail of my closed <em>paid</em> in full <em>account</em>. As of today it is still incorrectly showing on my report. I notified <em>Experian</em> of this improper <em>account</em>, with proof of receipt."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[15.66354,"8613132"]},{"_index":"complaint-public-v1","_id":"3509382","_score":15.636492,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX and Experian refuse to update my account being reported by XXXX to Experian as Paid In Full as of XX/XX/XXXX. \n\nI requested an investigation from Experian into this account to have them update the balance, status, etc. On XX/XX/XXXX, the investigation results from Experian stated that XXXX verified the information being reported is accurate as is and no changes were made to my report despite providing payment information to Experian showing the account has been paid. \n\nAs of XX/XX/XXXX, the XXXX loan on my Experian credit report shows a balance owed of {$510.00} and the account is being reported as open and 30 days late.","date_sent_to_company":"2020-01-26T08:31:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90280","tags":null,"has_narrative":true,"complaint_id":"3509382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-01-26T03:31:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["As of XX/XX/XXXX, the XXXX loan on my <em>Experian</em> credit report <em>shows</em> a balance owed of {$510.00} and the <em>account</em> is being reported as open and 30 <em>days</em> late."],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[15.636492,"3509382"]},{"_index":"complaint-public-v1","_id":"4314516","_score":15.635905,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian, XXXX XXXX XXXX account XXXX is reporting inaccurately and needs to be updated to paid on time. Experian didnt correct this account reporting to report the accurate late payment history and this is now false reporting by Experian. Experian if you can not furnish documentation directly from XXXX XXXX proving that I was XXXX days late consistently on the dates reported, the entire late payment history needs to be updated to show paid as agreed never late because of false reporting and subterfuge reporting by Experian. \n\nI have provided a copy of the credit report clearly showing the inaccurate reporting and have circled and highlighted them for Experian.","date_sent_to_company":"2021-04-20T16:31:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02301","tags":null,"has_narrative":true,"complaint_id":"4314516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-20T16:13:40.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Experian</em>, XXXX XXXX XXXX <em>account</em> XXXX is reporting inaccurately and needs to be updated to <em>paid</em> on time. <em>Experian</em> didnt correct this <em>account</em> reporting to report the accurate late payment history and this is now false reporting by <em>Experian</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[15.635905,"4314516"]},{"_index":"complaint-public-v1","_id":"16075950","_score":15.6225195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im disputing inaccurate late-payment reporting on my Experian file for XXXX ( joint with XXXX XXXX XXXX, acct XXXX XXXX ). Experians own reinvestigation results contain internal inconsistencies : XX/XX/XXXX : Balance Histories shows Scheduled {$0.00} and Paid {$170.00} on XX/XX/XXXX, yet the Payment History still marks 60 days past due as of XX/XX/XXXX. This is contradictory. \nXX/XX/XXXX : Balance Histories shows Scheduled {$170.00} and Paid {$170.00} on XX/XX/XXXX, yet Payment History marks 60 days past due as of XX/XX/XXXX. If the scheduled amount was paid, the delinquency notation requires verification. \nXXXX XXXX XXXX  : The Paid field shows {$0.00} on XX/XX/XXXX for multiple later months, which appears to be a single stale date propagated across cycles ( not a real payment posting for those months ), undermining data reliability. Payment History also marks XXXX lates for this period. \nAccount status now shows Closed at credit grantors request ; status updated XX/XX/XXXX. \n\nBecause Experians report shows conflicting and unreliable entries, the late-payment notations are inaccurate/unverifiable under the FCRA. I request deletion of the late marks unless XXXX provides original monthly statements and payment records proving the specific delinquencies.","date_sent_to_company":"2025-09-23T02:09:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90035","tags":null,"has_narrative":true,"complaint_id":"16075950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-23T01:54:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Im disputing inaccurate late-payment reporting on my <em>Experian</em> file for XXXX ( joint with XXXX XXXX XXXX, acct XXXX XXXX ). <em>Experians</em> own reinvestigation results contain internal inconsistencies : XX/XX/XXXX : Balance Histories <em>shows</em> Scheduled {$0.00} and <em>Paid</em> {$170.00} on XX/XX/XXXX, yet the Payment History still marks 60 <em>days</em> past due as of XX/XX/XXXX. 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