Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the late payment history that is currently reflected on my credit report under the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXXXXXX account # XXXX According to my records and my understanding of the Fair Credit Reporting Act ( FCRA ), late payment history should not be reported on this account. I kindly request that you investigate this matter and take the necessary steps to remove the late payment history from my credit report. 

Experian, XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 604 a section 2 which states a consumer reporting agency can not furnish an account without my written instructions and under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am fully aware of my rights as a consumer under the FCRA, which mandates that information reported on my credit file must be accurate, verifiable, and complete. In accordance with the FCRA, I am entitled to request that any information I believe to be inaccurate, or incomplete be investigated and corrected promptly. 

The late payment history reported on these account is not consistent with the payment history that I have maintained. As a result, my credit score has been negatively affected, and I am experiencing difficulties in securing favorable credit terms. 

In light of the FCRA, I kindly request that you : Verify the method of reporting that these creditors are using to reflect late payments on these account sand ensure that it complies with FCRA guidelines. 

Investigate the accuracy of the late payment history in question. 
If the late payment history is found to be inaccurate or incomplete, please take the necessary steps to remove it from my credit report. 

Update the account status to " Pays as Agreed '' to accurately reflect my credit history! 

I understand that, under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute letter. During this time, I request that you place an appropriate notation on my credit report to indicate that this account is under dispute. 

Please provide a written response within the statutory 30-day period, detailing the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. If you require any additional information from me to facilitate this process, please do not hesitate to contact me at the phone number or email address provided above. 

I appreciate your prompt attention to this matter and your commitment to upholding the Fair Credit Reporting Act. Your assistance in resolving this issue is crucial in ensuring the accuracy and fairness of my credit report. 

Thank you for your immediate attention to this dispute. I look forward to a timely resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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