Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Investigation and Detailed Description of Investigation Process Dear CFPB, I am writing to formally dispute inaccuracies on my credit report related to the account detailed below. I have identified discrepancies regarding late payments that are not consistent with my payment history. My last dispute on this matter was filed on XX/XX/XXXX, but the issues remain unresolved. 

I request a detailed description of the investigation process followed by your agency, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ). Credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 
Account Information : Creditor Name : XXXX CARD Account Number : XXXX High Balance : {$5000.00} Last Verified : XX/XX/XXXX ( Discrepancy : Missing in Experian ) Closed Date : XX/XX/XXXX ( Discrepancy : Missing in Experian ) Account Status : Closed ( Discrepancy : Both XXXX and Experian XXXX " Closed '' ) Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX and Experian. XXXX did not report these late payments. 
I have consistently paid this account on time, as reflected in my personal payment records. The consumer reporting agencies are required to report information with complete accuracy. These late payments are inaccurate, and I am requesting an immediate correction of this information to reflect " Paid As Agreed Never Late. '' Violation of Federal Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : The account 's payment history constitutes a transaction between the consumer and the reporting entity and must be reported accurately.

15 USC 1666 ( b ) : Agencies must ensure that periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed information and correction of inaccuracies.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies.

To support my claim, I have attached copies of my bank statements and payment confirmations for the disputed months. These documents verify that all payments were made on time and in full compliance with the agreed-upon terms.

Request for Action : Investigate the late payment inaccuracies and update the account to reflect " Paid As Agreed Never Late. '' Provide a detailed description of the investigation process, including the steps taken to verify the information. 
Provide documented proof of the late payments, including dates, amounts, and relevant communication. 
Update my credit report to reflect accurate information within 30 days, as required under the FCRA. 
If you can not provide evidence to support the late payments, I expect the account to be updated promptly. Failure to comply with the legal obligations outlined by the FCRA, Consumer Protection Act, and Truth in Lending Act will leave me with no choice but to escalate this matter further. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX 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