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: FL

Complaint narrative:
XX/XX/XXXX 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 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.

I recently reviewed my credit report and noticed inaccuracies concerning the reporting of late payments on the following account : Summary of Account Details : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$27000.00} Last Verified : Inconsistent dates across bureaus ( latest : XX/XX/XXXX - TransUnion ) Date of Last Activity : Discrepancies ( XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - Experian/XXXX  ) Closed Date : Reported only by XXXX ( XX/XX/XXXX XXXX Account Status : Closed across all bureaus Payment Status : Incorrectly listed as " Late 30 Days '' Balance Owed : {$0.00} Discrepancies Identified : The " Last Verified '' date differs across the three credit bureaus.

The " Date of Last Activity '' is inconsistent among the bureaus. 
The " Closed Date '' is only reported by XXXX, while all three bureaus indicate the " Account Status '' as " Closed. '' The " Payment Status '' is incorrectly listed as " Late 30 Days '' across all three bureaus, despite my records showing on-time payments. 
Two-Year Payment History 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  ( 30 days ) These reported late payments are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this account on time, in accordance with the agreed-upon terms. 
The consumer reporting agencies are obligated to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint highlighting the discrepancies. 
I initially disputed this account on XX/XX/XXXX, but the inaccuracies remain unresolved. I am now requesting a second investigation and immediate correction of these inaccuracies. 
Legal Basis for Dispute : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.

15 USC 1666 ( b ) : Establishes the requirements for reasonable procedures to ensure accurate reporting.

15 USC 1681i ( a ) ( 1 ) : Mandates a reasonable reinvestigation of disputed information.

Request for Proof : I request documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date, as required by section 15 USC 1666 ( b ). Include also all the information required by section 1637 ( b ) of Title 15.

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, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Thank you for your understanding and prompt action. 
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