which is fully paid and should reflect positively. This negative mark is false and harmful XXXX XXXXXXXX Late Payment * * Law : FCRA Section 607 ( b ) ; 15 U.S. Code 1681e ( b ) Issue : The account is showing late payment despite a balance of {$0.00} indicating resolution Story : I completed all payments as agreed and the reporting of late payments after account resolution is unjust and misleading. Kindly remove all negative indicators Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the XXXX timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and XXXX legal channels including civil liability under 15 USC 1681n and 1681o.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,92614,,Consent provided,Web,2025-07-24,Closed with explanation,Yes,N/A,14846562

What the CFPB Record Shows About which is fully paid and should reflect positively. This negative mark is false and harmful XXXX XXXXXXXX Late Payment * * Law : FCRA Section 607 ( b ) ; 15 U.S. Code 1681e ( b ) Issue : The account is showing late payment despite a balance of {$0.00} indicating resolution Story : I completed all payments as agreed and the reporting of late payments after account resolution is unjust and misleading. Kindly remove all negative indicators Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the XXXX timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and XXXX legal channels including civil liability under 15 USC 1681n and 1681o.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,92614,,Consent provided,Web,2025-07-24,Closed with explanation,Yes,N/A,14846562

which is fully paid and should reflect positively. This negative mark is false and harmful XXXX XXXXXXXX Late Payment * * Law : FCRA Section 607 ( b ) ; 15 U.S. Code 1681e ( b ) Issue : The account is showing late payment despite a balance of {$0.00} indicating resolution Story : I completed all payments as agreed and the reporting of late payments after account resolution is unjust and misleading. Kindly remove all negative indicators Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the XXXX timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and XXXX legal channels including civil liability under 15 USC 1681n and 1681o.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,92614,,Consent provided,Web,2025-07-24,Closed with explanation,Yes,N/A,14846562 has accumulated 1 consumer complaint in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to XXXX, and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, which is fully paid and should reflect positively. This negative mark is false and harmful XXXX XXXXXXXX Late Payment * * Law : FCRA Section 607 ( b ) ; 15 U.S. Code 1681e ( b ) Issue : The account is showing late payment despite a balance of {$0.00} indicating resolution Story : I completed all payments as agreed and the reporting of late payments after account resolution is unjust and misleading. Kindly remove all negative indicators Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the XXXX timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and XXXX legal channels including civil liability under 15 USC 1681n and 1681o.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,92614,,Consent provided,Web,2025-07-24,Closed with explanation,Yes,N/A,14846562 reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "CA XXXX Address Law : FCRA Section 609 ( c ) ( 1 ) ( A )", and the single most common underlying issue is "15 U.S.C. 1681c ; Section 607 ( b ) Issue : This account is reporting a late payment that is inaccurate and damaging my score despite the balance being {$0.00} Story : I made timely payments on this account and fulfilled my obligation. The {$0.00} balance shows closure or payoff".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating which is fully paid and should reflect positively. This negative mark is false and harmful XXXX XXXXXXXX Late Payment * * Law : FCRA Section 607 ( b ) ; 15 U.S. Code 1681e ( b ) Issue : The account is showing late payment despite a balance of {$0.00} indicating resolution Story : I completed all payments as agreed and the reporting of late payments after account resolution is unjust and misleading. Kindly remove all negative indicators Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the XXXX timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and XXXX legal channels including civil liability under 15 USC 1681n and 1681o.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,92614,,Consent provided,Web,2025-07-24,Closed with explanation,Yes,N/A,14846562: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.