Consumer complaint received 2025-01-17 00:00:00
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.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process and Correction of Disputed Late Payments on Credit Report Dear CFPB, I am writing to formally request a detailed description of the investigation process your agency followed concerning the disputed late payments 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 consumers dispute. 
Upon reviewing my credit report, I identified discrepancies related to an account listed under XXXX. This account has reported late payments that are inaccurate based on my payment history and records. The specific details of the account are as follows : Account Information : Creditor Name : XXXX Account Number : XXXX High Balance : {$160.00} Credit Limit : {$1000.00} Balance Owed : {$0.00} Account Status : Closed Payment Status : Current ( XXXX, XXXX ), XXXX 30 Days ( Experian ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), Not Reported ( Experian ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Discrepancies and Errors : Late Payments Reported : Experian : 30-day late payment reported for XX/XX/XXXX. 
XXXX : XXXX late payment reported for XX/XX/XXXX. 
Inconsistent Dates and Reporting : The dates of the alleged late payments do not align with my records, which confirm that all payments were made on time. 
The payment status on Experian incorrectly reflects " Late 30 Days '' while XXXX and XXXX report " XXXX. '' XXXX lists a late payment date of XX/XX/XXXX, which conflicts with the accurate payment history showing no delays. 
Update from Previous Dispute : Following my previous dispute, XXXX has removed the reported late payment for this account. However, Experian and XXXX have yet to correct the inaccuracies. I request that both Experian and XXXX update their records to reflect the accurate payment history for this account. 
Supporting Evidence : I have attached copies of my payment records and the relevant sections of my credit report highlighting these discrepancies. These records clearly demonstrate that all payments were made on time and that there is no basis for the reported late payments.

Legal Basis for Dispute : Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Furthermore, as per 15 USC 1681i, credit reporting agencies are required to conduct a thorough investigation of any disputed information and correct inaccuracies promptly.

Additionally, I request that you provide the following : Documented Proof : Verifiable evidence supporting the claims of late payments, including specific dates, amounts, and any communication indicating that the payments were late.

Investigation Process : A description of the procedure used to investigate and verify the accuracy of this account, including all steps taken and parties contacted during the investigation.

Compliance with Billing Practices : As required by 15 USC 1666 ( b ), please provide documentation confirming that periodic statements were sent to me at least 21 days before the payment due date, as mandated by law.

Requested Action : If the investigation confirms that the reported late payments are incorrect, I request that you : Update the account status to Paid As Agreed Never Late.

Remove any late payment notations from my credit report.

Failure to correct the inaccuracies or provide a satisfactory explanation within 30 days from the receipt of this letter will be considered a violation of the FCRA. I look forward to your prompt response and resolution of this matter. 
Thank you for your attention to this urgent issue. Please contact me if additional documentation is required. 
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