Consumer complaint received 2025-01-23 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 Account on My Credit Report Dear CFPB, After reviewing my credit report, I identified discrepancies on my XXXX  XXXX account ( Account # XXXX ), which indicate late payments for XX/XX/XXXX ( XXXX XXXX and XX/XX/XXXX ( Experian and XXXX XXXX. These late payments are inaccurately reported, as the account has consistently been paid on time. This communication is a formal request for correction of this error and a detailed explanation of your investigation process, as required under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation process within 15 days of receiving a consumer dispute. 
I respectfully request that you : Investigate the inaccuracies and update the payment history for the XXXX  XXXX account to reflect a status of " Paid As Agreed, Never Late. '' Provide a detailed description of the procedures followed during the investigation, including the sources used to verify the information. 
Account Information and Discrepancies : Account Number : XXXX High Balance : {$1400.00} ( XXXX, Experian ), {$1300.00} ( XXXX XXXX Last Verified : XX/XX/XXXX ( XXXXXXXX XXXX XXXX  ( Experian, XXXX XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian, XXXX XXXX Balance Owed : {$1200.00} ( all bureaus ) Payment Status : Current ( all bureaus ) Credit Limit : {$1300.00} ( XXXX, Experian ), {$0.00} ( XXXX XXXX Two-Year Payment History Errors : XXXX : 30-day late payment incorrectly reported for XX/XX/XXXX. 
Experian : 30-day late payment incorrectly reported for XX/XX/XXXX. 
XXXX : 30-day late payment incorrectly reported for XX/XX/XXXX. 
Evidence of Errors : Payment records and statements confirm timely payments for the disputed periods. 
Attached documentation demonstrates consistent adherence to the payment terms. 
The discrepancies include : Different dates for " last activity '' and " date reported '' across bureaus. 
Inconsistent credit limit values ( XXXX reports {$0.00} instead of {$1300.00} ). 
Errors in " Two-Year Payment History, '' which conflict with the actual payment history.

Applicable Laws : 15 USC 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy of information.

15 USC 1681i ( a ) : Requires a reasonable reinvestigation of disputed information.

15 USC 1681i ( a ) ( 7 ) : Obligates the agency to provide a description of the investigation process within 15 days.

15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Prohibits inclusion of inaccurate information related to transactions between the consumer and furnisher.

15 USC 1666 ( b ) : Ensures periodic statements are provided 21 days before the due date.

15 USC 1637 ( b ) : Requires detailed account information on periodic statements.

Request for Resolution : Update the account to reflect accurate payment history as " Paid As Agreed, Never Late. '' Provide written proof of procedures used to investigate and verify the information. 
Correct the discrepancies in credit limit reporting and other account details. 
Rectify the errors in " Two-Year Payment History '' across all bureaus.

Failure to respond appropriately within 30 days will be considered a violation of the FCRA and Consumer Protection Act, warranting further legal action. If valid proof of late payments can not be provided, I demand immediate correction of my credit report.

Thank you for your prompt attention to this matter. I look forward to receiving the requested information and a resolution that complies with legal obligations. 
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