Consumer complaint received 2024-12-27 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 : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to formally 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 ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
On XX/XX/XXXX, I initiated a dispute concerning inaccuracies on my credit report related to late payments on the following account : Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$2000.00} Credit Limit : {$1500.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) Balance Owed : {$1100.00} Account Status : Closed Payment Status : Current Creditor Remarks : Account closed by credit grantor ( XXXX XXXX ; Account closed due to inactivity ( Experian ) Two-Year Payment History : XXXX : Late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Experian : Late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX : Late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Upon my review, I identified discrepancies in the reported late payments. According to my records, all payments were made on time and in full. I believe the account should reflect a status of " Paid As Agreed Never Late. '' Supporting Legal Citations : Under 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information reported. 
Per 15 USC 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute, credit reporting agencies must reinvestigate the disputed information and report the results within 30 days.

Additionally, under 15 USC 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Per 15 USC 1666 ( b ) and section 1637 ( b ) of Title 15, periodic statements must be mailed to consumers not later than 21 days before the payment due date and include all required information. 
Details of Errors : The alleged late payments reported by XXXX, Experian, and XXXX do not align with my payment records. My bank statements clearly show timely payments for the months in question. 
XXXX reported late payments for XX/XX/XXXX through XX/XX/XXXX, while XXXX and Experian reported late payments for XX/XX/XXXX through XX/XX/XXXX. These discrepancies are clear violations of 15 USC 1681e ( b ) as they reflect inaccurate and inconsistent information across the credit bureaus. 
No communication or notifications were provided to me regarding any alleged late payments, as required under 15 USC 1666 ( a ).

Request for Action : Conduct a reinvestigation of the reported late payments on this account.

Update the account status to accurately reflect " Paid As Agreed Never Late. '' Provide a written description of the reasonable procedures used during your investigation as required under 15 USC 1681i ( a ) ( 7 ). 
Supply verifiable proof of the alleged late payments, including specific dates, amounts, and communication supporting the claim.

Provide compliance documentation regarding periodic statements, ensuring statements were sent at least 21 days before payment due dates.

Reference to PAANL ( 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. 
If you can not verify the accuracy of the reported late payments or provide the requested documentation, I demand that the erroneous information be promptly removed or corrected to reflect accurate reporting. Failure to comply with the obligations set forth under the FCRA will compel me to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Enclosed, I have included a copy of my payment records and relevant documentation that further support my claim. I look forward to your timely response and resolution within the 30-day period stipulated by the FCRA. 
Thank you for your 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