Consumer complaint received 2025-01-17 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 and Correction of Disputed Late Payments on Credit Report Dear CFPB, I am writing to formally request a detailed description of the investigation process your agency followed concerning the disputed late payments 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 XXXX  days of receiving a consumers dispute. 
Upon reviewing my credit report, I identified discrepancies related to an account listed under XXXX XXXX. This account has reported late payments that are inaccurate based on my payment history and records. The specific details of the account are as follows : Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX High Balance : {$600.00} Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Payment : XX/XX/XXXX Account Type : Unsecured Loan Term Length : XXXX  Months Discrepancies and Errors : Late Payment Reported : Experian : XXXX late payment reported for XX/XX/XXXX. 
Inconsistent Reporting : The payment history for this account shows a late payment reported for XX/XX/XXXX despite all payments being made on time. 
No late payments have been reported by other bureaus ( XXXX and XXXX ). 
The accounts status is reported as " XXXX '' by Experian, further contradicting the late payment notation. 
Impact on Credit Report Accuracy : The late payment inaccurately affects my payment history and overall creditworthiness, as I have adhered to the payment terms agreed upon for this account. 
Experians reporting inconsistency undermines the completeness and accuracy of my credit report. 
Supporting Evidence : I have attached copies of my payment records and the relevant sections of my credit report highlighting these discrepancies. These records clearly demonstrate that all payments were made on time and that there is no basis for the reported late payment. 
Legal Basis for Dispute : Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Furthermore, as per 15 USC 1681i, credit reporting agencies are required to conduct a thorough investigation of any disputed information and correct inaccuracies promptly. 
Additionally, I request that you provide the following : Documented Proof : Verifiable evidence supporting the claim of a late payment, including specific dates, amounts, and any communication indicating that the payment was late. 
Investigation Process : A description of the procedure used to investigate and verify the accuracy of this account, including all steps taken and parties contacted during the investigation. 
Compliance with Billing Practices : As required by 15 USC 1666 ( b ), please provide documentation confirming that periodic statements were sent to me at least XXXX  days before the payment due date, as mandated by law. 
Requested Action : If the investigation confirms that the reported late payment is incorrect, I request that you : Update the account status to Paid As Agreed Never Late. 
Remove the late payment notation from my credit report. 
Failure to correct the inaccuracies or provide a satisfactory explanation within XXXX  days from the receipt of this letter will be considered a violation of the FCRA. I look forward to your prompt response and resolution of this matter. 
Thank you for your attention to this urgent issue. Please contact me if additional documentation is required. 
Sincerely, 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