Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I am writing to formally dispute inaccurate information that is currently being reported on my credit report by your agency, XXXX The erroneous information pertains to a 30-day late payment for my account with XXXX XXXX  ACCOUNT # XXXX, which should not be reported at all. I have attached supporting documents to substantiate my claim. 

Below are the details of the disputed information : Account Number : XXXX Creditor Name : XXXXXXXX XXXX Date of Late Payment : XX/XX/2022 Account Status : PAID AS AGREED Incorrect information : 30 days late reported incorrectly. 
I would like to provide a clear explanation of the circumstances surrounding this late payment : In XX/XX/2022, I encountered financial difficulties due to unforeseen circumstances because of the pandemic, I got terribly ill for 2 months I was in the hospital. In response to these difficulties, I promptly applied for a disaster extension with XXXXXXXX XXXX. This extension was granted, and the payment that was due in XX/XX/2022 was rescheduled to the end of my loan, ensuring that I would not incur any late fees or negative reporting. 

I have attached a copy of the letter from XXXX XXXX confirming the approval of my disaster extension and the subsequent adjustment to my payment schedule. This letter serves as conclusive evidence that the 30-day late payment should not be included in my credit report. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which includes the provision that credit bureaus must ensure the accuracy of the information they report. Section 1681i ( a ) of the FCRA states that : " ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' I kindly request that you initiate an investigation into this matter in accordance with the FCRA. I ask that you promptly verify the accuracy of the disputed late payment information and make the necessary corrections to my credit report by removing this inaccurate information. 

Furthermore, I would appreciate your notification in writing of the results of your investigation within the 30-day timeframe stipulated by the FCRA. If the investigation confirms the inaccuracy of the reported late payment, please update my credit report accordingly and provide me with a copy of the revised credit report for my records. 

Please find enclosed the following documents to support my dispute : Copy of the letter from XXXX XXXX confirming the approval of my disaster extension and the adjustment to my payment schedule. 
Any additional supporting documents as necessary. 
I believe that a thorough investigation will demonstrate the accuracy of my claim, and I kindly request your prompt attention to this matter. 

Thank you for your immediate attention to this dispute. I look forward to a swift resolution and the correction of my credit report. If you have any questions or require further information, please do not hesitate to contact me at XXXX AND EMAIL AT XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation