Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
RE : Formal Dispute and Reinforcement of Rights Under 15 U.S.C. 1681i ( a ) ( XXXX ) Account in Question : XXXX XXXX XXXX XXXX Account Ending in XXXX 30-Day Late Payment ( XX/XX/XXXX ) To Whom It May Concern, I am formally disputing the reporting of a 30-day late payment in XX/XX/XXXX associated with my XXXX XXXX XXXX personal installment loan account ending in XXXX, now marked as Paid, Closed as of XX/XX/XXXX. 

In accordance with my rights under the Fair Credit Reporting Act, I demand that Experian provide a full and detailed description of the reinvestigation procedure used to verify the accuracy of this derogatory entry, as mandated by 15 U.S.C. 1681i ( a ) ( 7 ).

Legal Obligation Under 15 U.S.C. 1681i ( a ) ( 7 ) The law is explicit : A consumer reporting agency shall provide to a consumer a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Experian is legally required to disclose : The full reinvestigation methodology The name and contact information of the data furnisher ( XXXX XXXX XXXX  ) Confirmation of how the disputed information was verified Supporting Federal Case Law The following cases establish clear precedent in favor of consumers demanding reinvestigation transparency : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to perform a reasonable reinvestigation and to provide reinvestigation details constitutes a violation of XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A reinvestigation that consists only of confirming with the furnisher is not sufficient. CRAs must conduct an independent and meaningful investigation. 

XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must do more than rely on automated systems ; they are required to validate the accuracy of the data they report. 

XXXX. XXXX v. XXXX  XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit reports must not only be factually accuratethey must also not be misleading. 

Demands I hereby demand the following without delay : A complete description of the reinvestigation procedure used to verify the XX/XX/XXXX late payment on Account No. XXXX. 

The name, mailing address, and telephone number of any representative of XXXX XXXX XXXX  that was contacted. 

A corrected copy of my Experian credit report if no legal grounds for continued reporting exist. 

Written confirmation that the account will be corrected or removed if your investigation fails to validate it lawfully.

Notice of Legal Consequences Should Experian fail to comply with this request in full, I will pursue all legal remedies under 15 U.S.C. 1681n ( for willful noncompliance ) and 1681o ( for negligent noncompliance ), including but not limited to statutory damages, punitive damages, attorneys fees, and costs.

You are hereby placed on legal notice. I expect full compliance within the timeframe permitted by law. 

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