Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Request for Proof of Alleged Late Payments and Discrepancies in Credit Report Dear Sir/Madam, I am writing to formally dispute the alleged late payments that have been reported on my credit report by ( XXXX XXXX XXXXXXXX ) Upon reviewing my credit report from Agency ( EXPERIAN ) I have noticed significant discrepancies between the information reported by your agency ( XXXX ) and that of other credit reporting agencies. These inconsistencies raise concerns about the accuracy and reliability of the information being reported in XXXX ( XXXX XXXX XXXX ) report innacurate and information about a late payments the report attached highlighted with yellow marker said that on the date of ( XX/XX/2022 and XX/XX/2022 ) was reported on my credit report as late payments with 0 information why and how was late and they dont show any amount of money on payment information that was reported on my credit report in XXXX and on other credit report agency from ( EXPERIAN ) same dates and same company ( XXXX XXXX XXXX ) report that in ( XX/XX/2022 and XX/XX/2022 ) i made the payments on time in ( XXXX XXXX 2022 a made a on time payment of {$1200.00} ) and ( XX/XX/2022 i made payment on time of {$620.00} ) i attached proof of the two credit reports from XXXX and experian XXXX proof the innacurate information i requesting to be deleted from my credit report this discrepancies are violating my rights as a consumer. 


As a consumer, I have the right to receive accurate and consistent information across all credit reporting agencies. I kindly request that you provide me with the necessary documentation to substantiate the alleged late payments and address the discrepancies in my credit report. 

Furthermore, I would like to bring your attention to the following provisions of the Fair Credit Reporting Act ( FCRA ) that pertain to this matter : 1. Section 607 ( a ) : Requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information they report.

2. Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute inaccurate information and have the credit reporting agency investigate the disputed items. 

Considering the above, I request that you provide me with the following information and documentation : 1. Proof of the alleged late payments, including records of payment dates, amounts, and any other supporting evidence that demonstrates these payments were made late. 

2. An explanation for the discrepancies in my credit report between XXXX and Experian and other reputable credit reporting agencies. Please provide detailed information on the process used to collect and report this information to ensure accuracy and consistency. 

3. Any correspondence, agreements, or contracts between ( XXXX XXXX XXXX  ) and Credit Reporting Agency XXXX regarding the reporting of my payment history.

I trust that you will handle this request in compliance with the FCRA and conduct a thorough investigation into the discrepancies in my credit report. I expect to receive the requested documentation within 30 days of the receipt of this letter, as mandated by the FCRA. 

Failure to provide the requested information within the specified timeframe or address the discrepancies adequately will compel me to take appropriate legal action to protect my rights under the FCRA. 

Thank you for your immediate attention to this matter. 
Sincerely,

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