Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I mailed a dispute to Experian regarding several transactions that were furnished as late payments on my consumer report. 

Experian received my dispute letter see Exhibit A in the attachment below. Certified mail number XXXX XXXX XXXX XXXX XXXX experience failed to reply to me and the 30 day time that is given by law. 

On XX/XX/XXXX, I mailed a second dispute to Experian, in regards to their failure to comply with the FCRA 15 USC 1681i ( a ) ( 1 ) ( A ) and demanded to delete the inaccurate or unverifiable information being furnished on my consumer report pursuant to 15 USC 1681i ( 5 ) ( A ).

Experian received my dispute letter see Exhibit B in the attachment below. Certified mail number XXXX XXXX XXXX XXXX XXXX 15 USC 1681a speaks on the accuracy of the consumer report , and 15 USC 1681e ( b ) speaks on a consumer reporting agency furnishing accurate consumer reports ; accuracy means all values are correct. 

Experian did not reply to my dispute. 
I requested a reinvestigation of the disputed item 15 us 1681i For a payment to be treated as late 15 USC 1666b requirements and compliance must be met!

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the Information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

Requirements : XXXX ) Periodic statements including ; XXXX ) the information required by section 1637 ( b ) XXXX ) Notice mailed out no later than XXXX  days before payment due date I requested proof of the above pursuant rule XXXX For Experian to furnish a payment as late they must have evidence of the requirements that 15 USC 1666b requires. 

I have requested the information for compliance pursuant to 15 USC 1666b and Experian did not respond. It has been over XXXX  days which is the reasonable time allotted by law. 
15 usc 1681i ( a ) ( 1 ) ( A ) states that information that can not be verified as accurate or complete must be deleted in 30 days ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
See case law XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX )