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/2024 Subject : Request for Description of Investigation Process - Disputed Accounts Against Experian on my Credit Report I am writing to formally request a detailed description of the investigation process conducted by your agency regarding my previously disputed account information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 16811 ( 7 ), credit reporting agencies are required to provide a comprehensive explanation of the investigation process within 15 days of receiving a consumer dispute. 
Upon reviewing my credit report, I noticed an account with XXXX XXXX XXXX XXXX, that continues to report inaccurately despite prior disputes. This account reflects two reported late payments, which is incorrect as I have consistently made payments on time, as documented in my payment history. I have attached a copy of my report, highlighting the relevant dates of these discrepancies. 
Payment History Discrepancies : According to my records, all payments were made on time. However, the following discrepancies were noted across each credit bureau : Experian : 30 Days Late : XXXX  60 Days Late : XXXX These inaccuracies have persisted despite my previous attempts to resolve them, and I am now requesting that these payments be updated to reflect accurate, on-time records. If a correction can not be made, I respectfully request that you provide a written description of the investigation procedures you have in place, per FCRA guidelines, and any documentation you used to verify this accounts status. 
Furthermore, I am requesting that you include in your response : Reasonable procedures, as required under 15 USC 1666 ( b ), adopted to ensure that each statement is mailed no later than 21 days before the due date.

Details of the procedures used to verify my payment history and the steps your agency took to investigate my dispute.

As established by 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), a consumer report should not contain inaccurate information on transactions solely related to the consumer and the reporting agency. The payment history, especially these reported late payments, has negatively impacted my credit score, despite being a clear error that does not align with my record of timely payments.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
Appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX