Consumer complaint received 2025-01-29 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: RI

Complaint narrative:
Hello, I am writing to formally dispute and challenge the alleged late payments that have been reported on my credit file. I have identified discrepancies related to late payments that do not appear to be accurate or supported by valid documentation. I am curious as to whether these alleged late payments are fraudulent. It is essential to emphasize that I am challenging these late payments as " alleged '' late payments, as there is a lack of proper verification and validation of these entries. I believe that it is within my rights, as a consumer, to request proper verification and documentation to substantiate the accuracy of these late payment entries. 
The alleged late payments in question are as follows : ( Repeat below as necessary ) LATE PAYMENTS : 1. Creditor : XXXX XXXX  - Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Original loan {$100000.00}. 

Reason : Requesting verification of these alleged late payments Instruction : Update these alleged late payments as on-time never late ( this account was closed on and fully paid in XXXX ) I formally request that you provide the following information to verify the accuracy of these alleged late payments : 1. Verification of the Account : Please confirm the account details, including the creditor 's name, account number, and account history related to these alleged late payments.

2. Proof of Late Payments : Provide documented evidence, such as payment history records, invoices, or other supporting documentation, to substantiate the claim of late payments for the specified months and dates.

3. Compliance with Reporting Guidelines : Ensure that the reporting of late payments complies with all applicable federal and state laws, as well as the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

4. Reporting Accuracy : Confirm that the reporting of these late payments is consistent with the accuracy, timeliness, and completeness requirements outlined in the FCRA. 
I must emphasize that I take my credit history and creditworthiness seriously. The accuracy of my credit report is crucial to my financial well-being, and I want to ensure that any derogatory nformation on my report is reported accurately and complies with all legal requirements. 
I request that you promptly initiate an investigation into these alleged late payments and provide a written response within 30 days, as required by the FCRA. If you are unable to substantiate the accuracy of these alleged late payments within this timeframe, I expect that they will be removed from my credit report. 
Please be aware that I am monitoring my credit closely, and I reserve the right to take further legal action if these discrepancies are not addressed promptly and accurately. 

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