Consumer complaint received 2024-12-02 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/XXXXXXXX  Subject : Dispute Regarding Inaccurate Late Payments XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of the XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report. Upon review, I identified erroneous late payments reported for XX/XX/XXXX ( 30 days late ) on XXXX and XX/XX/XXXX ( 30 days late ) on both Experian and XXXX. These reports are incorrect, as my payments for these periods were made on time. 
It is essential under the Fair Credit Reporting Act ( FCRA ) that consumer data be accurate and verifiable. These inaccuracies are unjustified and have negatively impacted my credit report and financial reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Experian : Incorrectly reports a XXXX late payment for XX/XX/XXXX. 
XXXX : Incorrectly reports a XXXX late payment for XX/XX/XXXX. 
Attached, I have provided evidence demonstrating timely payments during the months in question, including bank statements and payment receipts. These documents clearly show that my payments were made as agreed and on time. 
Request for Action : Immediate Correction : Update the account 's payment history to reflect a status of " Paid As Agreed Never Late '' for the disputed months. 
Investigation Procedures : Provide a detailed description of the process followed to verify the late payment claims, as required by FCRA 15 USC 1681i ( a ) ( 7 ). 
Proof of Late Payments : Submit documented evidence supporting the reported late payments, including specific dates, amounts, and communication indicating delinquency. 
If no verifiable proof can be provided, I expect these inaccurate late payments to be promptly removed from my credit report. 
Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX have been strictly adhered to, and this account has always been paid on time. Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my credit report should not reflect information that inaccurately describes my transactions or experiences with this account. 
Supporting Documentation : Highlighted copy of my credit report showing the discrepancies I trust you will handle this dispute with urgency and professionalism. I expect a written response to this dispute within the timeframe outlined by the FCRA ( 30 days from the receipt of this letter ). Failure to provide a timely and accurate resolution will be considered a violation of my consumer rights. 
Thank you for your prompt attention to this matter. If additional information is required, please do not hesitate to contact me. 
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