Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account on My Credit Report Dear CFPB, Following the completion of your investigation into my previous dispute, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed XXXX XXXX account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Dispute Background Upon review of my recent credit report, I identified inaccurate reporting related to this account. The account initially reflected a charge-off status, which has since been updated to late payment statuses. However, XXXX deleted the account entirely after my first dispute, while Experian and XXXX still display late payments that are not consistent with my payment history. 
I have consistently made timely payments on this account, as verified by my enrollment in autopay, ensuring there have been no missed payments. I am now requesting that the records for XXXX XXXX XXXX XXXX XXXX be corrected to accurately reflect on-time payments. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report do not align with my payment history. I request that the record show my adherence to all payment terms. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may constitute a violation of the FDCPA, which prohibits misrepresentation regarding consumer accounts.

Truth in Lending Act ( TILA ) : The inaccurate reporting of late payments also violates the TILA, which requires accurate credit reporting.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) establish civil liability for willful and negligent noncompliance, allowing for damages, attorneys fees, and punitive damages in cases of noncompliance. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Reports 30-day, 60-day, and 90-day late statuses in XXXX, XXXX and XX/XX/XXXX, which are inaccurate as all payments were made on time. 
Experian : Similarly shows late payment notations of 30, 60, and 90 days in XXXX, XXXX, and XX/XX/XXXX, which are inconsistent with my actual payment record. 
XXXX : The account was deleted from XXXX following my first dispute, reflecting previous changes from charge-off to late payment, which still remains inaccurate. 
Requested Resolution I request that Experian update this account to reflect accurate on-time payments in accordance with my verified payment history. If this information can not be corrected, I kindly request a written explanation of the investigation process. 
I expect to receive written documentation confirming the removal of these inaccurate entries within 30 days of this complaint submission. Failure to resolve this issue promptly may result in further action to protect my consumer rights. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX