Consumer complaint received 2025-01-19 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/XXXXXXXX  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 your agency followed regarding the disputed XXXX XXXX account on my credit report. Pursuant to 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 's dispute. 
Upon reviewing my credit report, I identified discrepancies in the reporting of late payments on the following account : Account Details ( XXXX XXXX ) Account Number : XXXX High Balance : {$2600.00} ( XXXX and Experian ), {$0.00} ( XXXX XXXX Last Verified : XX/XX/XXXX ( XXXX ), Not Reported ( Experian and XXXX XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), Not Reported ( Experian and XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX ), Not Reported ( Experian and XXXX XXXX Account Rating : Paid Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards ( XXXX and Experian ), All Banks ( XXXX XXXX Account Status : Closed Payment Status : Current Creditor Remarks : XXXX : Canceled by credit grantor Experian : Account has been closed due to inactivity XXXX XXXX Closed or paid account/XXXX  balance ; amount in XXXX XXXX  is credit limit Payment Amount : {$0.00} Last Payment : XX/XX/XXXX ( XXXX and Experian ), Not Reported ( XXXX ) Credit Limit : {$2500.00} Two-Year Payment History Discrepancies XXXX. XXXX : XXXX. Experian : Incorrectly reported 30-day late payment in XX/XX/XXXX and 60-day late payment in XX/XX/XXXX. 
Incorrectly reported 30-day late payment in XX/XX/XXXX and 60-day late payment in XX/XX/XXXX. 
XXXX. XXXX : Incorrectly reported 30-day late payment in XX/XX/XXXX and 60-day late payment in XX/XX/XXXX. 
Reason for Dispute To the best of my knowledge and according to my records, I have consistently paid this account on time, in accordance with the agreed-upon terms. The reported late payments for XXXX and XX/XX/XXXX are inaccurate. 
Request for Investigation I request that you : 1. Investigate the accuracy of the reported late payments.

2. Update my credit report to reflect " Paid As Agreed Never Late '' for this account.

3. Provide a detailed description of the investigation process you followed, including : The procedures used to verify the account. 
Documentation or evidence provided by the creditor. 
If you are unable to verify the late payments with documented proof, I expect the account to be updated immediately to reflect its accurate status. 
Legal Compliance Under the FCRA and related laws, your agency is obligated to ensure the accuracy of information reported on my credit file. Additionally, I request documentation of your compliance with reasonable procedures to ensure timely delivery of statements as outlined in 15 USC 1666 ( b ). 
If you can not provide verifiable proof of the late payments, please update my credit report accordingly and notify me of the corrections. I expect a written response within 30 days as mandated by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to a resolution that aligns with the legal obligations outlined by the FCRA. 
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