Consumer complaint received 2024-11-22 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 : Second Formal Dispute of Inaccurate Late Payments on XXXX XXXX XXXX  Dear CFPB I am writing to follow up on a previously submitted dispute regarding inaccurate reporting of late payments on my XXXX XXXX XXXX account. Despite my initial dispute on XX/XX/XXXX, the discrepancies remain uncorrected, which is a violation of your obligation under the Fair Credit Reporting Act ( FCRA ). This letter serves as a second dispute to demand immediate attention and resolution to this matter. 

Reason for Dispute Your records indicate that I was late on payments for the following periods : 30 Days Late : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This reporting is inaccurate. According to my payment records, I have made all payments on time and in full for the specified periods. The late payment entries are unjustified, and they negatively impact my credit score and financial reputation.

I previously submitted documentation with my initial dispute to substantiate my claim, yet no changes were made. It is deeply concerning that the inaccuracies persist despite clear evidence and your obligation to ensure reporting accuracy under 15 USC 1681e ( b ).

Evidence of Errors Enclosed, I have provided the following documents to validate my claim : Account Statements : These include records of payments made on time for the disputed periods. 
Highlighted Credit Report : Shows the specific inaccuracies in your reporting. 
Proof of Identity : A copy of my Social Security Card and government-issued photo ID. 
Previous Dispute Documentation : A record of my initial dispute, submitted on XX/XX/XXXX, which included similar supporting documents. 

Request for Investigation Pursuant to the FCRA ( 15 USC 1681i ( a ) ( 1 ) ( A ) ), I demand a re-investigation of this account with a focus on the following : Detailed Description of Investigation : Provide the methodology used in the previous investigation. Under 15 USC 16811 ( 7 ), you are required to furnish this within 15 days of my request.

Verification of Late Payments : Provide documented proof, including dates and communication records, substantiating the claim of late payments. 
Correction of Errors : If you can not verify the reported late payments, update my account to reflect the accurate status of Paid As Agreed Never Late. 

Legal Obligations As per the FCRA, your responsibility is to ensure the accuracy of all reported information. Failure to verify the reported late payments or update the account as requested is a violation of federal law. Additionally, 15 USC 1666 ( b ) requires that all periodic statements are mailed to the consumer no later than 21 days before payment due dates. Provide documentation proving compliance with this requirement.

Resolution Timeline As mandated by the FCRA, you have 30 days from the receipt of this letter to complete your investigation and respond with your findings. Failure to meet this deadline will be treated as non-compliance with federal regulations, and I will pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Supporting Documentation To facilitate your investigation, I have enclosed the following : Social Security Card Government-Issued Photo ID ( Drivers License/Passport ) Highlighted Credit Report : Identifying the inaccuracies. 
Previous Dispute Documentation : Including my original submission. 

Conclusion I expect prompt action to resolve this matter and correct the inaccuracies in my credit report. Your cooperation in this matter is essential to maintain the fairness and accuracy required under the FCRA. 

Thank you for your immediate attention to this matter. 
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