{"took":249,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":91,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11773517","_score":20.124146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear Experian Customer Service, I am writing to formally dispute incorrect information on my credit report, which I obtained from Experian. Upon reviewing my report, I have identified discrepancies that I believe are not reflective of my true credit history. \n\nThe inaccurate information is as follows : [ Describe the misinformation, e.g., incorrect account status, wrong account balance, account not belonging to you, incorrect late payments, etc. ] Issue : These old information that shouldnt be on my report are still there. Such as old address, data, email, background checks. \n\nI have already attempted to resolve this issue by [ describe any steps youve already taken, e.g., contacting the creditor directly, previously submitting disputes, etc. ], but the issue remains unresolved. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate and correct the erroneous entries on my credit report. Please provide me with a written response within 30 days detailing the results of your investigation and any changes made to my report. \n\nThank you for your immediate attention to this matter. I look forward to your prompt resolution.","date_sent_to_company":"2025-01-27T05:16:59.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"20169","tags":null,"has_narrative":true,"complaint_id":"11773517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-27T04:56:44.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Date : XXXX <em>Experian</em> <em>Consumer</em> <em>Services</em> XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal <em>Complaint</em> Regarding Inaccurate Information on Credit <em>Report</em> <em>Dear</em> <em>Experian</em> <em>Customer</em> <em>Service</em>, I am writing to formally dispute incorrect information on my credit <em>report</em>, which I obtained from <em>Experian</em>. Upon reviewing my <em>report</em>, I have identified discrepancies that I believe are not reflective of my true credit history."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_product":["Other personal <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.124146,"11773517"]},{"_index":"complaint-public-v1","_id":"8284069","_score":20.081923,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, 2023 Dear sir or madam, I requested assistance from your agency and submitted a formal complaint disputing inaccurate information on my consumer credit reports with Experian reporting agency on XXXX XXXX XXXX \nAs per the FCRA, Experian is required to conduct an reasonable and fair investigation and provide evidence that I requested before the end of 30 days, or an additional 15 days to reinvestagate. \nI reported errors to be corrected and removed from my personal information. As well, I contacted Experian 's fraud department and reported fraudulent activity that violated my consumer privacy. \nExperian, determined my disputes as irrelevant and willfully failed to conduct a reasonable and impartial investigation. Willfully refused to provide the evidence and documentation of the investigation. ( I requested verifiable documents for evidence. The names of representatives they contacted, the lenders or companies that provided the information to be accurate. Original applications, \" XXXX XXXX '' signed and authorized mulitple requests submitted to the same institutions for various loans or lines of credit that is reported verified. ) Nevertheless, as per the FCRA the time they had to do an investigation/reinvestagation is now over which violated my consumer rights. Correct my personal information, remove old accounts past 7 years and older, and the mulitple/duplicate hard inquires be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your attention in this matter. \nI will govern myself according, XXXX XXXX XXXX a side note : The customer service Experian XXXX department is providing is unacceptable. ( I believe many businesses fail to remember without their customers they will not be in business, or they will lose their business and credit worthiness. )","date_sent_to_company":"2024-02-06T02:13:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"8284069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-06T01:23:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX, 2023 <em>Dear</em> sir or madam, I requested assistance from your agency and submitted a formal <em>complaint</em> disputing inaccurate information on my <em>consumer</em> credit <em>reports</em> with <em>Experian</em> <em>reporting</em> agency on XXXX XXXX XXXX \nAs per the FCRA, <em>Experian</em> is required to conduct an reasonable and fair <em>investigation</em> and provide evidence that I requested before the end of 30 days, or an additional 15 days to reinvestagate. \nI <em>reported</em> errors to be corrected and removed from my personal information."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.081923,"8284069"]},{"_index":"complaint-public-v1","_id":"14880825","_score":19.855326,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Urgent Complaint Against Experian Inaccessible Credit Report and Request for Compensation Dear Consumer Financial Protection Bureau, I am writing to file an urgent and serious complaint against Experian, whose negligence and lack of support have caused significant harm to my financial and personal life. Despite repeated attempts to unfreeze my credit report, including submitting my government-issued ID and a formal letter, I have received no assistance or resolution. \n\nCurrently, I can not log in to my Experian account, access my credit file, or unfreeze my report. I have exhausted every available option, including : Repeated attempts to reset credentials on their website Mailing required identification Attempting to reach Experian through multiple phone lines and online support channels Experian is completely unreachable. Their customer service phone numbers either loop endlessly or drop the call. Their website offers no human support. This level of inaccessibility from a major credit bureau is unacceptable and irresponsible, especially given that their systems were previously compromised in a high-profile data breach. \n\nBecause of this unresolved issue, I am currently : Unable to apply for a mortgage or purchase a home Blocked from making essential financial decisions Experiencing emotional and financial distress due to this lack of access I am requesting the following : Immediate intervention by the CFPB to compel Experian to : Unfreeze my credit report or provide a secure, verified way to do so Restore access to my Experian account Formal investigation into Experians customer service failures, account recovery processes, and platform security Appropriate compensation for the financial harm, delay, and distress this issue has caused I urge the CFPB to hold Experian accountable for this severe lapse in consumer responsibility. I am willing to provide any additional documentation needed to support this complaint, including copies of my ID, sent correspondence, and call logs. \n\nPlease treat this matter with urgency, as I can not proceed with essential aspects of my life until this is resolved. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-25T18:03:54.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"76262","tags":null,"has_narrative":true,"complaint_id":"14880825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-25T17:44:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["To : <em>Consumer</em> Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Urgent <em>Complaint</em> Against <em>Experian</em> Inaccessible Credit <em>Report</em> and Request for Compensation <em>Dear</em> <em>Consumer</em> Financial Protection Bureau, I am writing to file an urgent and serious <em>complaint</em> against <em>Experian</em>, whose negligence and lack of support have caused significant harm to my financial and personal life."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Unable to get your credit <em>report</em> or credit score"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Other problem getting your <em>report</em> or credit score"]},"sort":[19.855326,"14880825"]},{"_index":"complaint-public-v1","_id":"12178427","_score":19.446495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Demand for Payment Due to Inadequate Investigation of Consumer Report Complaints Dear Experian Customer Service, I am writing to formally demand payment of {$3500.00} for damages resulting from your failure to conduct a proper investigation of my consumer report complaints, as mandated under the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/XXXX, I disputed inaccuracies on my consumer report related to XXXX XXXX. Despite my detailed complaints, your investigation was inadequate, and you verified this inaccurate information on XX/XX/XXXX, without providing the necessary documentation to confirm the accuracy of the disputed accounts. Additionally, your response to my complaint was well after the allowed window for investigation. \n\nYour failure to adhere to proper verification procedures has caused me significant distress and potential harm to my creditworthiness. I expected a thorough investigation, including documentation that substantiates your verification process, which did not occur. \n\nAs a result of your negligence and non-compliance with the FCRA, I am seeking damages in the amount of {$3500.00}. This amount compensates for emotional distress, time spent addressing these issues, and any potential financial repercussions due to the inaccuracies on my consumer report. \n\nPlease regard this letter as a formal demand for payment. I expect a response within 15 days from the date of this letter. If I do not receive a satisfactory response, I will consider pursuing further legal action to protect my rights. \n\nThank you for your immediate attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-22T22:03:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60426","tags":null,"has_narrative":true,"complaint_id":"12178427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-22T21:57:52.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Demand for Payment Due to Inadequate <em>Investigation</em> of <em>Consumer</em> <em>Report</em> <em>Complaints</em> <em>Dear</em> <em>Experian</em> <em>Customer</em> <em>Service</em>, I am writing to formally demand payment of {$3500.00} for damages resulting from your failure to conduct a proper <em>investigation</em> of my <em>consumer</em> <em>report</em> <em>complaints</em>, as mandated under the Fair Credit <em>Reporting</em> Act ( FCRA ). \n\nOn XX/XX/XXXX, I disputed inaccuracies on my <em>consumer</em> <em>report</em> related to XXXX XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[19.446495,"12178427"]},{"_index":"complaint-public-v1","_id":"11898956","_score":18.748941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date : XXXX **Consumer Financial Protection Bureau ( CFPB ) ** 1700 G Street NW Washington , DC 20552 **Subject : Complaint Against Experian Regarding Unfair Credit Practices** Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian regarding their unfair credit practices , which I believe violate consumer protection laws. \n\n**Details of the Issue : ** On [ XXXX XXXX, XX/XX/XXXX ], I initiated a dispute with Experian concerning inaccuracies on my credit report related to my account with XXXX XXXX XXXX Despite my efforts to provide updated information and documentation confirming my account status, Experian failed to adequately investigate my dispute. \n\nExperian 's actions have been misleading and deceptive. For instance, they reported my account on XX/XX/XXXX, but just a few minutes later, they deleted my XXXX XXXX XXXX account, which has resulted in a shortened credit history. This misrepresentation has adversely affected my credit score and limited my access to financial opportunities. \n\nI have a letter from XXXX XXXX confirming that they have updated my information and reported it to all three credit reporting agencies. However, I continue to receive disputes from Experian stating that this account is not showing on my credit report. Despite reaching out to the CFPB and FTC, Experian continues to ignore my requests, regardless of the documentation I have provided. \n\nI have made multiple attempts to resolve this issue directly with Experian. When I called their customer service on [ XX/XX/XXXX ], I found it impossible to get in touch with a live person. Their automated system took me around and around without providing any meaningful assistance. \n\nGiven these circumstances, I urge the CFPB to investigate Experian 's practices and take appropriate action to ensure compliance with consumer protection laws. \n\nThank you for your attention to this matter. I look forward to your response. \n\nExperian intended to mislead consumers. They can include false advertising, misleading claims, and failing to deliver promised products or services. \nExamples of not reporting all accurate information on credit reports, failing to update information from the original creditor. \n\n\nPLEASE SUBMIT THIS TO THE CFPB OFFICE FOR REVIEW","date_sent_to_company":"2025-02-02T11:02:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11898956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-02T10:49:43.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date : XXXX **<em>Consumer</em> Financial Protection Bureau ( CFPB ) ** 1700 G Street NW Washington , DC 20552 **Subject : <em>Complaint</em> Against <em>Experian</em> Regarding Unfair Credit Practices** <em>Dear</em> <em>Consumer</em> Financial Protection Bureau, I am writing to file a <em>complaint</em> against <em>Experian</em> regarding their unfair credit practices , which I believe violate <em>consumer</em> protection laws."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.748941,"11898956"]},{"_index":"complaint-public-v1","_id":"9939553","_score":18.28049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian, one of the major credit reporting agencies, for its failure to provide adequate and lawful access to dispute fraudulent information on my credit report. For almost two months, I have been attempting to contact Experian to dispute several items on my credit report that I believe to be fraudulent. Despite my persistent efforts, I have been unable to speak to a live representative or gain access to the necessary channels to resolve these issues. \n\nOutline of My Situation : 1. Attempted Dispute via Online Account : I initially tried to dispute the fraudulent information on my credit report through Experians online portal. Unfortunately, this process was unsuccessful, as I was not able to complete the dispute process due to technical issues and the lack of an adequate response. \n2. Attempted Contact via Phone : Following the unsuccessful online attempt, I called the customer service numbers provided by Experian to speak with a representative who could assist me in resolving the fraudulent items on my report. Despite my efforts, every phone number provided only led to a recorded message, and I was unable to reach a live person to discuss my dispute. \n3. Tried Alternative Phone Number : To determine if the issue was related to my specific account, I attempted to call Experians customer service using a different phone number without entering my Social Security number. However, this attempt also resulted in a recorded message with no option to speak to a live representative. \n\nDistress and Impact : The inability to speak with a representative has caused me significant distress and frustration, as I am unable to dispute the fraudulent items that are negatively affecting my credit report. My credit score is an essential factor in my financial well-being, and the presence of fraudulent information on my report could have severe implications for my ability to secure credit or loans, as well as potentially damage my reputation.\n\nPotential Violations by Experian : I believe Experian may be violating several laws and regulations by obstructing my attempts to dispute fraudulent information on my credit report, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) : Right to Dispute ( 15 U.S.C. 1681i ) : The FCRA provides me with the right to dispute inaccurate information on my credit report. By blocking my access to dispute channels and preventing me from speaking with a live representative, Experian is impeding my ability to exercise this right. \nReasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : The FCRA requires that credit reporting agencies conduct a reasonable investigation of any disputed items. If Experian is not allowing me to initiate a dispute, they are failing to comply with this requirement. \nFailure to Provide Information ( 15 U.S.C. 1681g ) : The FCRA mandates that credit reporting agencies provide consumers with access to information in their credit report. By blocking my access to customer service and dispute processes, Experian may be violating this requirement.\n\n2. Consumer Financial Protection Act ( CFPA ) : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ( 12 U.S.C. 5531 ) : The CFPA prohibits financial service providers, including credit reporting agencies, from engaging in unfair,\ndeceptive, or abusive practices. Experians actions in blocking access to dispute processes and live customer service representatives may constitute an unfair or abusive practice under this law. \n\nRequest for Action : I respectfully request that the CFPB investigate Experians practices in this matter and take appropriate action to ensure that I, and other consumers, can access the necessary channels to dispute fraudulent information on our credit reports. Additionally, I request that Experian be required to provide me with the ability to dispute these fraudulent items and speak to a live representative to resolve my concerns. \n\nThank you for your attention to this matter. I look forward to your assistance in resolving this issue.","date_sent_to_company":"2024-08-27T14:35:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"329XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9939553","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-27T14:27:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> Financial Protection Bureau, I am writing to formally lodge a <em>complaint</em> against <em>Experian</em>, one of the major credit <em>reporting</em> agencies, for its failure to provide adequate and lawful access to dispute fraudulent information on my credit <em>report</em>. For almost two months, I have been attempting to contact <em>Experian</em> to dispute several items on my credit <em>report</em> that I believe to be fraudulent."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.28049,"9939553"]},{"_index":"complaint-public-v1","_id":"7015715","_score":18.019512,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their stall tactic and failure to investigate my dispute. I have made several attempts to resolve this matter directly with Experian, but their lack of responsiveness and disregard for my concerns have compelled me to seek assistance from your esteemed organization. \n\nOn XX/XX/2023, I submitted a dispute to Experian regarding the incorrect reporting of my name. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct a prompt investigation into consumer disputes and provide a timely resolution. However, despite providing all necessary documentation and following the proper procedures, Experian has not taken any meaningful action to address my concerns. \n\nSince filing the dispute, I have made multiple attempts to contact Experian 's customer service department, but I have experienced prolonged hold times, automated responses, and vague assurances that my case would be resolved soon. These stall tactics have caused unnecessary frustration and delayed the resolution of my dispute, which has had a negative impact on my financial well-being. \n\nI firmly believe that Experian 's conduct in handling my dispute goes against the spirit of the FCRA and the principles of fair and accurate credit reporting. I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Experian fulfills its legal obligations and conducts a thorough investigation into my dispute without further delay. \n\nI kindly request that the Consumer Financial Protection Bureau launch an investigation into this matter, urge Experian to promptly address my dispute, and take appropriate actions to ensure they comply with the FCRA. Additionally, I would appreciate any guidance or assistance you can provide to help me resolve this issue and ensure the accuracy of my credit report. \n\nEnclosed with this letter, please find copies of all relevant documents, including my initial dispute letter, correspondence with Experian, and any other supporting evidence. \n\nThank you for your attention to this matter. I eagerly await a swift resolution and appreciate any assistance you can provide in rectifying this situation. Please do not hesitate to contact me if any further information is required. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2023-05-24T02:50:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11201","tags":null,"has_narrative":true,"complaint_id":"7015715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-24T02:18:52.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> Financial Protection Bureau, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding their stall tactic and failure to <em>investigate</em> my dispute. I have made several attempts to resolve this matter directly with <em>Experian</em>, but their lack of responsiveness and disregard for my concerns have compelled me to seek assistance from your esteemed organization. \n\nOn XX/XX/2023, I submitted a dispute to <em>Experian</em> regarding the incorrect <em>reporting</em> of my name."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.019512,"7015715"]},{"_index":"complaint-public-v1","_id":"12555355","_score":17.858686,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Complaint Against Experian Regarding Inaccurate Account Reporting I am writing to formally file a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) against Experian, a major credit reporting agency, regarding their failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve this issue directly with Experian, they have refused to update my payment status and the reported late payments on accounts where I was never late. Description of the Issue : 1. Account Information : - Account Name : XXXX  - Account Number ( XXXX ) : XXXX - Account Type : Education / Student Loan - Account Name : ( XXXX XXXX - Account Number ( XXXX ) : XXXX - Account Type : Revolving 2. Nature of the Complaint : The accounts listed above inaccurately report late payments, despite my record of timely payments. These accounts were never late, and I have documentation to substantiate my claims ( e.g., bank statements, payment confirmation emails, etc. ). 3. Efforts to Resolve the Issue : I have contacted Experian multiple times through their customer service channels and provided evidence showing that the payment status was incorrectly reported. However, Experian has refused to update my account status or remove the erroneous late payment marks. Legal Basis for My Complaint : Under the **Fair Credit Reporting Act ( FCRA ) **, specifically Section 1681i, I am entitled to dispute any inaccuracies in my credit report. The law requires that consumer reporting agencies, such as Experian, investigate and correct any inaccuracies in a timely manner. When a consumer disputes information, the reporting agency must investigate the dispute within 30 days, and if the information is found to be inaccurate, it must be corrected or removed from the report. Furthermore, under Section 1681e ( b ) of the FCRA, Experian is obligated to maintain reasonable procedures to ensure that my credit report is accurate and complete. By failing to update the accounts to reflect the true payment history, Experian is in violation of these obligations. **Requested Resolution : ** 1. I request that Experian immediately correct the inaccurate payment status and remove any late payment marks from the above-mentioned accounts. 2. If Experian is unable to verify the accuracy of the reported late payments, I request that they remove the accounts in question from my credit report entirely, as required by the FCRA. 3. I demand that Experian provide written confirmation of the changes made to my credit report or, if no changes are made, a detailed explanation of the findings of their investigation and why no corrections were made. Please note that I am prepared to take further legal action if this matter is not resolved in a timely and satisfactory manner. I appreciate your prompt attention to this complaint and look forward to a resolution. Thank you for your assistance","date_sent_to_company":"2025-03-19T23:28:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"12555355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-19T23:23:31.000Z","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":["<em>Consumer</em> Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX <em>Dear</em> Sir/Madam, <em>Complaint</em> Against <em>Experian</em> Regarding Inaccurate Account <em>Reporting</em> I am writing to formally file a <em>complaint</em> with the <em>Consumer</em> Financial Protection Bureau XXXX CFPB ) against <em>Experian</em>, a major credit <em>reporting</em> agency, regarding their failure to correct inaccurate information on my credit <em>report</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.858686,"12555355"]},{"_index":"complaint-public-v1","_id":"11972305","_score":17.802624,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX Date : XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on My Credit Report Dear Experian Customer Service, I am writing to formally express my concern regarding the inaccurate information on my credit report, which continues to remain unresolved despite my previous disputes. This issue is of great importance, and I am deeply dissatisfied with the manner in which it has been handled thus far.\n\nAs you may be aware, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to correct inaccurate credit reporting and not properly investigating consumer disputes. In the lawsuit, the CFPB pointed out serious concerns regarding Experians practices, including the failure to resolve inaccuracies in consumer credit reports, even after disputes are filed and the issue is clearly identified. Unfortunately, I have experienced a similar pattern in my own dealings with your company, which is why I am compelled to escalate this issue. \nI previously submitted a dispute on XX/XX/year> regarding the inaccurate information listed on my credit report. Despite this, my credit report still contains incorrect data, which has negatively affected my credit score and overall financial standing. I request that you take immediate action to resolve this matter by : Conducting a thorough investigation into the inaccuracies I have disputed. \nCorrecting the erroneous information on my credit report promptly. \nProviding me with a corrected copy of my credit report. \nPlease be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate, and that disputes be fully investigated in a timely manner. It is evident that the practices outlined in the CFPB 's lawsuit, which cite delays and inadequate responses to disputes, are reflective of the challenges I am facing with Experian. \nIf the inaccuracies are not corrected promptly, I will consider taking further action to ensure my consumer rights are protected, including filing additional complaints with the CFPB and considering legal remedies available to me. \n\nPlease confirm receipt of this letter and provide an update on the resolution of my dispute as soon as possible. I expect to hear from you within 30 days, as outlined by the FCRA. \n\nThank you for your immediate attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-02-06T18:48:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"11972305","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-06T18:32:12.000Z","state":"IL","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 XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX Date : XXXX <em>Experian</em> <em>Consumer</em> <em>Services</em> XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on My Credit <em>Report</em> <em>Dear</em> <em>Experian</em> <em>Customer</em> <em>Service</em>, I am writing to formally express my concern regarding the inaccurate information on my credit <em>report</em>, which continues to remain unresolved despite my previous disputes."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.802624,"11972305"]},{"_index":"complaint-public-v1","_id":"10574576","_score":16.871157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. \nClerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. \nDelay in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXX payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. \n\nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.\n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-10-26T00:10:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"10574576","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-26T00:10:36.000Z","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":["XX/XX/XXXX Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[16.871157,"10574576"]},{"_index":"complaint-public-v1","_id":"10574536","_score":16.871157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. \nClerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. \nDelay in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXXs payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. \n\nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.\n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.\n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-10-26T00:10:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"10574536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-25T23:59:40.000Z","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":["XX/XX/XXXX Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[16.871157,"10574536"]},{"_index":"complaint-public-v1","_id":"10232117","_score":16.656538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\nNature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date. \nSystem Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. \nInaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay on time. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-24T03:27:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77504","tags":null,"has_narrative":true,"complaint_id":"10232117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-24T03:21:44.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.656538,"10232117"]},{"_index":"complaint-public-v1","_id":"10228657","_score":16.630299,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\nNature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date.\n\nSystem Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. \nInaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay on time. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.\n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.\n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-24T03:28:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77504","tags":null,"has_narrative":true,"complaint_id":"10228657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-24T03:28:00.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.630299,"10228657"]},{"_index":"complaint-public-v1","_id":"10194475","_score":16.473026,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\nNature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time. However, due to an internal processing delay on the part of XXXX XXXX, the payment was mistakenly recorded as late. I have included the bank statement and payment confirmation showing that the payment was made before the due date. \nSystem Error : There was a system error on XXXX XXXX platform that resulted in the payment being logged late. This error was acknowledged by their customer service, but it has not yet been corrected on my credit report. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-09-19T18:13:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77406","tags":null,"has_narrative":true,"complaint_id":"10194475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-19T18:13:37.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["This error was acknowledged by their <em>customer</em> <em>service</em>, but it has not yet been corrected on my credit <em>report</em>. \nDespite providing this information and adhering to the dispute process within the Fair Credit <em>Reporting</em> Act, XXXX XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit <em>report</em>. \n\nAs a <em>consumer</em>, I have rights under the FCRA and XXXX, including the right to accurate credit <em>reporting</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.473026,"10194475"]},{"_index":"complaint-public-v1","_id":"10194975","_score":16.46804,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\nNature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time. However, due to an internal processing delay on the part of XXXX XXXX, the payment was mistakenly recorded as late. I have included the bank statement and payment confirmation showing that the payment was made before the due date. \nXXXX XXXX : There was a system error on XXXX XXXX  platform that resulted in the payment being logged late. This error was acknowledged by their customer service, but it has not yet been corrected on my credit report. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-09-19T18:13:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77406","tags":null,"has_narrative":true,"complaint_id":"10194975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-19T18:07:28.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["This error was acknowledged by their <em>customer</em> <em>service</em>, but it has not yet been corrected on my credit <em>report</em>. \nDespite providing this information and adhering to the dispute process within the Fair Credit <em>Reporting</em> Act, XXXX XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit <em>report</em>. \n\nAs a <em>consumer</em>, I have rights under the FCRA and XXXX, including the right to accurate credit <em>reporting</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.46804,"10194975"]},{"_index":"complaint-public-v1","_id":"10484054","_score":16.3462,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. \nClerical Error at XXXXXXXX XXXX : After contacting XXXXXXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXX XXXX  acknowledging the error and confirming that the payment was made on time. \nInconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-18T01:44:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77327","tags":null,"has_narrative":true,"complaint_id":"10484054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-18T01:39:22.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.3462,"10484054"]},{"_index":"complaint-public-v1","_id":"10484061","_score":16.341484,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. \nClerical Error at XXXX XXXX : After contacting XXXXXXXX XXXX XXXX  customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX  acknowledging the error and confirming that the payment was made on time. \nInconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.\n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-18T01:44:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77327","tags":null,"has_narrative":true,"complaint_id":"10484061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-18T01:44:10.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.341484,"10484061"]},{"_index":"complaint-public-v1","_id":"11936708","_score":16.336815,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Invasive Request for Personal Information Reference : XXXX Dear Experian Customer Services, I am writing to formally express my dissatisfaction with your recent request for an excessive amount of personal information, specifically the requirement for six previous addresses to correct an account on my credit report. This request is not only unreasonable but also invasive, and it raises significant concerns regarding your adherence to the Fair Credit Reporting Act ( FCRA ) and your obligation to ensure the accuracy of consumer information. \n\nYour email dated XX/XX/year>, ( ref : XXXX ) outlined the need for this information to confirm my identity. However, I must point out that the FCRA, under Section 607 ( b ), mandates that consumer reporting agencies like Experian must follow reasonable procedures to ensure maximum possible accuracy concerning consumer information. The request for six years of previous addresses far exceeds what is necessary to verify my identity and correct any inaccuracies. \n\nMoreover, I would like to bring to your attention that XXXX XXXX XXXX has confirmed that they have updated my name and sent the relevant information to all three credit reporting agencies as of XX/XX/year>. This is documented in the attached correspondence from XXXX XXXX, which clearly states the updated information regarding my account. There should be no further delay in rectifying my credit report based on this update. \n\nExperian 's practices have come under scrutiny for failing to conduct proper investigations into disputes, often resulting in the re-insertion of errors on credit reports. Such actions threaten consumers ' access to credit, employment, and housing opportunities. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies if this issue is not addressed promptly. \n\nI expect a thorough review of my case and a timely response that confirms the correction of my credit report. Failure to do so may lead me to take legal action to protect my rights as a consumer. \n\nThank you for your immediate attention to this matter. I look forward to your prompt response. \n\nSincerely,","date_sent_to_company":"2025-02-04T13:59:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11936708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-04T13:50:21.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> <em>Experian</em> XXXX XXXX <em>Experian</em> XXXX XXXX XXXX XXXX XXXXXXXX XXXX <em>Experian</em> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal <em>Complaint</em> Regarding Invasive Request for Personal Information Reference : XXXX <em>Dear</em> <em>Experian</em> <em>Customer</em> <em>Services</em>, I am writing to formally express my dissatisfaction with your recent request for an excessive amount of personal information, specifically the requirement for six previous addresses to correct an"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[16.336815,"11936708"]},{"_index":"complaint-public-v1","_id":"10484062","_score":16.334835,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. \nClerical Error at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX acknowledging the error and confirming that the payment was made on time. \nInconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-18T01:44:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77327","tags":null,"has_narrative":true,"complaint_id":"10484062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-18T01:44:10.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.334835,"10484062"]},{"_index":"complaint-public-v1","_id":"17134731","_score":16.160393,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Consumer Financial Protection XXXX. XXXX XXXX, XXXX  XXXX Subject : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Dear CFPB Representative, I am writing to file a formal complaint against XXXX XXXX for reporting inaccurate information to the credit bureaus, which has negatively impacted my credit report and score. \nDespite my efforts to resolve this matter directly with XXXX XXXX, the inaccurate information remains. Specifically, XXXX XXXX has reported [ describe the issue e.g., an account as delinquent, a balance that was paid, or an account that does not belong to me ]. I have contacted their customer service department on [ insert dates ], and I have provided supporting documentation showing that the information they reported is incorrect. However, they have failed to correct or investigate the matter properly. \nThis inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers of credit information to report accurate data and to promptly correct any errors once notified. \nI am requesting that the CFPB investigate this matter and ensure that XXXX XXXX corrects or removes the inaccurate information from all credit reporting agencies ( Equifax, Experian, and TransUnion ). \nAttached are copies of my correspondence with XXXX XXXX and any supporting documents for your review. \nThank you for your attention to this matter. I look forward to your assistance in ensuring that this issue is resolved fairly and promptly. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-11T01:08:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11368","tags":null,"has_narrative":true,"complaint_id":"17134731","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-11T01:08:37.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Specifically, XXXX XXXX has <em>reported</em> [ describe the issue e.g., an account as delinquent, a balance that was paid, or an account that does not belong to me ]. I have contacted their <em>customer</em> <em>service</em> department on [ insert dates ], and I have provided supporting documentation showing that the information they <em>reported</em> is incorrect. However, they have failed to correct or <em>investigate</em> the matter properly."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.160393,"17134731"]},{"_index":"complaint-public-v1","_id":"12635284","_score":16.081453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Inaccurate Credit Reporting Violation of FCRA & IRS Regulations Dear Consumer Financial Protection Bureau, I am filing a formal dispute regarding an inaccurate and unfairly reported account on my credit report. The account in question is : Creditor Name : XXXX XXXX  Account Number : XXXX Disputed Issue : Incorrectly reported as an outstanding debt despite being filed as income on my taxes This account was written off by XXXX XXXX, and as required by IRS regulations, it was reported as income on my tax return. Under IRS Code 26 U.S. Code 61 ( a ) ( 12 ), when a debt is canceled and reported as taxable income, it ceases to exist as a legally enforceable obligation. Since I have already satisfied my legal obligation to the debt by paying taxes on the forgiven amount, it is inaccurate and unlawful for Experian and XXXX XXXX  to continue reporting this item as a delinquent debt. \n\nFurthermore, the continued reporting of this account violates my rights under : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Credit furnishers are required to report accurate information. Since the debt is no longer legally owed, it should not be listed as a charge-off or outstanding balance.\n\nFair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 2 ) ( A ) : It is unlawful for a creditor or credit bureau to misrepresent the legal status of a debt. By continuing to report this account as delinquent, XXXX XXXX and Experian are misleading credit reporting agencies and potential creditors. \n\nFCRA 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : When an account is disputed and proven to be inaccurate, the credit bureau must either correct or delete the item. Experians refusal to remove this item despite proof of its legal status is a direct violation of this provision. \n\nI am requesting the immediate removal of this account from my credit report. If this item is not deleted within 30 days from the date of this letter, I will have no choice but to take legal action against Experian and XXXX CARD for violations of the FCRA, FDCPA, and IRS reporting laws. Additionally, I will escalate this matter to the Federal Trade Commission ( FTC ), my state attorney general, and pursue damages for willful non-compliance. \n\nPlease provide written confirmation of the deletion of this account. I expect compliance with federal law, and failure to act accordingly will result in legal action. \n\nIn this report I have provide proof of identity, copy of my transcript of my taxes, a screenshot showing XXXX XXXX reporting on my credit report as : Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/2025. Also A copy of full complaint On XX/XX/2025, at approximately XXXX XXXX  Eastern Time, I contacted Experians customer service to inquire about why the XXXX XXXX  account remains on my credit report despite being filed on my taxes as income. I spoke with a customer service representative named XXXX. \n\nAt first, XXXX was unable to answer my question regarding why the account was still being reported. After some back-and-forth, she finally stated that the company responded and verified that the account was accurate. However, Experian did not conduct a legitimate investigation, as required by the Fair Credit Reporting Act ( FCRA ) : Experian did not provide proof of who from XXXX XXXX verified the account. \n\nNo supporting documents were provided to show the basis for their claim. \n\nExperian did not ask XXXX XXXX if they filed the debt as income on their taxes, which would legally make it invalid as a debt. \n\nEssentially, Experian accepted the companys word without requiring any verification or documentation, which is not a proper dispute resolution process under federal law. \nAfter waiting approximately 45 minutes just to speak with an agent, XXXX then tried to find a reason to disconnect the call instead of providing real assistance. It is unacceptable that Experian records consumers without consent, yet their agents do not want to be recorded when asked for accountability. Additionally, when I requested to speak with a supervisor, I was told that none were available, preventing me from escalating my concerns. \n\nI am filing a formal complaint against Experian and customer service agent XXXX for failing to properly investigate my dispute, refusing to provide proof of verification, and mishandling my inquiry in violation of the FCRA. I demand immediate action and a full review of Experians handling of my dispute.","date_sent_to_company":"2025-03-24T19:56:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"275XX","tags":null,"has_narrative":true,"complaint_id":"12635284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-24T18:54:24.000Z","state":"NC","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 am filing a formal <em>complaint</em> against <em>Experian</em> and <em>customer</em> <em>service</em> agent XXXX for failing to properly <em>investigate</em> my dispute, refusing to provide proof of verification, and mishandling my inquiry in violation of the FCRA. I demand immediate action and a full review of <em>Experians</em> handling of my dispute."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[16.081453,"12635284"]},{"_index":"complaint-public-v1","_id":"10474382","_score":15.940024,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payments were submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. \nSystem Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. \nInconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.\n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.\n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-16T21:06:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77530","tags":null,"has_narrative":true,"complaint_id":"10474382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-16T21:01:02.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/year> Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.940024,"10474382"]},{"_index":"complaint-public-v1","_id":"10474228","_score":15.929546,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payments were submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. \nSystem Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. \nInconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. \n\nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.\n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-16T21:06:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77530","tags":null,"has_narrative":true,"complaint_id":"10474228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-16T21:06:42.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/year> Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.929546,"10474228"]},{"_index":"complaint-public-v1","_id":"10445011","_score":15.914628,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. \nSystem Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. \nIncorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years.\n\nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.\n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.\n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-10-15T01:25:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77083","tags":null,"has_narrative":true,"complaint_id":"10445011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-15T01:25:00.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Subject : <em>Complaint</em> Regarding Inaccurate Late Payment Entry on Credit <em>Report</em> <em>Dear</em> CFPB, I am writing to file a formal <em>complaint</em> against <em>Experian</em> regarding an inaccurate late payment entry on my credit <em>report</em> that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of <em>Complaint</em> : I submitted a dispute to <em>Experian</em> disputing a late payment <em>reported</em> by XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.914628,"10445011"]},{"_index":"complaint-public-v1","_id":"10445012","_score":15.910954,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. \nSystem Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. \nIncorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. 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