To dispute a late payment on Experian, first request your credit report through AnnualCreditReport.com or directly from Experian. Next, visit Experian’s online Dispute Center and create an account if you don’t already have one.
Once logged in, identify the late payment you want to dispute and select it. Choose “Payment History” as your reason for the dispute and provide a brief explanation of why you believe the late payment is inaccurate. If you have supporting documentation (payment receipts, bank statements, letters from creditors), upload these files to strengthen your case.
After submitting your dispute, Experian will investigate by contacting the creditor. This process typically takes 30 days. You’ll receive notification of the results via mail or email. If your dispute is successful, the late payment will be removed from your credit report, potentially improving your credit score.
If Experian’s investigation doesn’t resolve the issue, you have additional options: contact the creditor directly to request a goodwill adjustment, add a consumer statement to your credit file explaining the situation, or file a complaint with the Consumer Financial Protection Bureau.