Consumer complaint received 2024-12-23 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 - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts 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. 
I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, there are late payments reported on the following account : Account Number : XXXX High Balance : XXXX XXXX {$150.00} ; Experian : {$150.00} ; XXXX XXXX {$300.00} Last Verified : XXXX XXXX XX/XX/XXXX ; Experian : XXXX ; XXXX : XXXX XXXX of Last Activity : XXXX : XX/XX/XXXX ; Experian XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX Date Reported XXXX XXXX : XX/XX/XXXX ; Experian XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX Date Opened XXXX XXXX : XX/XX/XXXX ; Experian XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX Balance Owed XXXX {$0.00} ( All Bureaus ) Account Rating : Open Account Description : Individual Credit Union Credit Card Payment Status : Current Two-Year Payment History : Shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX ( XXXX ) and XX/XX/XXXX and XX/XX/XXXX ( XXXX and Experian ). 
Upon careful review, I have identified several errors and discrepancies in the reporting of this account, including : High Balance : XXXX and Experian report {$150.00}, while XXXX reports {$300.00}. 
Last Verified Date : XXXX reports XX/XX/XXXX, but Experian and XXXX have no data for this field. 
Date of Last Activity : XXXX reports XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. 
XXXX XXXX : All bureaus report {$0.00}, yet there are inconsistencies in other account details. 
Disputed Status : XXXX and Experian indicate " Account not disputed, '' while XXXX lists it as " Account disputed. '' Credit Limit : XXXX and Experian report {$150.00}, but XXXX reports {$300.00}. 
To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the agreed-upon terms. I had previously disputed this account, and despite my evidence and requests, the information has not been corrected. This marks the second dispute for this account, yet nothing has changed since the first one.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the person making the report. The reported late payments negatively impact my creditworthiness and do not accurately reflect my payment history.

Furthermore, I am requesting that you provide, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by section 1637 ( b ) of Title 15. 
Reference to XXXX ( 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 " XXXX XXXX Agreed Never XXXX. '' 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. 
I 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. 
Thank you for your understanding and prompt action. 
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