Consumer complaint received 2025-01-18 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: AL

Complaint narrative:
Subject : Failure to Provide Results of Investigation and Correct Late Payment on XXXX XXXX XXXX Account To Whom It XXXX Concern, I am writing to address your failure to properly investigate and provide the results of your verification process regarding a late payment on my XXXX XXXX XXXX account ( account number XXXX  ). Your recent verification of this account is not only lacking any evidence or documentation to prove the alleged late payment, but you have also failed to comply with my explicit request for a detailed breakdown of the payment history on this account to confirm the accuracy of your findings. 

Specifically, this account is showing a late payment for XX/XX/year>, which is entirely inaccurate. I have repeatedly asked for proof that I made a late payment, and to date, I have received nothing. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of any disputed item and provide the consumer with a detailed explanation of the verification process. This includes a thorough breakdown of the payment history, which you have failed to provide. 

It is also concerning that your company is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for conducting sham investigations and failing to comply with the basic legal obligations required under the FCRA. This ongoing legal action highlights a pattern of shoddy and non-compliant investigations, which is exactly what I am experiencing with this dispute. You state that the account has been " updated '', but the information remains exactly the same- unchanged. You are blatantly ignoring your legal duty to provide EVIDENCE to substantiate the late payment on my account, and this will not be tolerated. 

If you can not substantiate this claim or reinvestigate the account to verify the accuracy of the alleged late payment, then this account must be updated to " paid as agreed, never late '' or deleted entirely. Your continued failure to provide proper documentation or clear evidence of the disputed late payment is an inexcusable violation of the law and further evidence of the inadequate investigations your company is currently under scrutiny for. 

I demand that you provide the following immediately : XXXX. A detailed account of the verification process for this account, including how you verified the payment history. 
XXXX. A breakdown of the payment history for XX/XX/year> to prove that the late payment was accurate.

3. Immediate correction of this account to " paid as agreed, never late '' if you can not provide sufficient evidence to support the late payment. 

If you fail to provide the necessary documentation or correct this account within 15 days of receiving this letter, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for the violation of the FCRA. 

This issue has gone on long enough, and I expect prompt resolution. You have already had more than enough time to provide the evidence requested, and your continued failure to do so is unacceptable. I will not allow your company to continue disregarding the law and leaving inaccurate information on my credit report.

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