Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Report Number : XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Immediate Correction of Credit Report Under 15 U.S.C . 1681a and 15 U.S.C. 1666b Dear Experian, I am writing to formally dispute an inaccuracy in my credit report and request an immediate investigation and correction under the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) and Fair Credit Billing Act ( 15 U.S.C. 1666b ). 
I have identified an issue with the reporting of my account with XXXX XXXX XXXX Account number XXXX XXXX specifically, there appears to be inaccurate or incomplete information regarding the timeliness of my payments. Contrary to what is reflected on my credit report, all payments have been made on time. 
To support my dispute, I have uploaded a letter from XXXX XXXX XXXX that confirms my account is in good standing, and all payments have been made as agreed without delay. I request that you thoroughly investigate this matter and correct these inaccuracies immediately to ensure my credit report reflects accurate and complete information. 
Please send me written confirmation once the investigation is complete and the corrections have been made. Should you require additional documentation or have questions about this matter, do not hesitate to contact me using the information above. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Immediate Correction of Credit Report Under 15 U.S.C. 1681a and 15 U.S.C. 1666b Dear XXXX, I am writing to formally dispute an inaccuracy in my credit report ( Report Number : XXXX ) and to request an immediate investigation and correction under the Fair Credit Reporting Act ( 15 U.S.C . 1681a ) and the Fair Credit Billing Act ( 15 U.S.C. 1666b ). 

The issue pertains to my account with XXXX XXXX XXXX ( Account XXXX : XXXX XXXX ). Specifically, there appears to be inaccurate or incomplete information regarding the timeliness of my payments. Contrary to the information reflected on my credit report, all payments have been made on time. 

To support my dispute, I have attached a letter from XXXX XXXX XXXX confirming that my account is in good standing and that all payments have been made as agreed without delay. 

I kindly request that you : Investigate this matter thoroughly. 
Correct the inaccuracies on my credit report to reflect accurate and complete information. 
Provide me with written confirmation once the investigation is complete and the corrections have been made. 
If additional documentation is required or if you have any questions regarding this matter, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Immediate Correction of Credit Report Under 15 U.S.C. 1681a and 15 U.S.C. 1666b Dear XXXX, I am writing to formally dispute an inaccuracy in my credit report ( Report Number : XXXX ) and to request an immediate investigation and correction under the Fair Credit Reporting Act ( XXXX U.S.C XXXX XXXX ) and the Fair Credit Billing Act ( XXXX XXXX. XXXX ). 

The issue pertains to my account with XXXX XXXX XXXX ( Account XXXX : XXXX XXXX ). Specifically, there appears to be inaccurate or incomplete information regarding the timeliness of my payments. Contrary to the information reflected on my credit report, all payments have been made on time. 

To support my dispute, I have attached a letter from XXXX XXXX XXXX confirming that my account is in good standing and that all payments have been made as agreed without delay. 

I respectfully request that you : Investigate this matter thoroughly. 
Correct the inaccuracies on my credit report to reflect accurate and complete information. 
Provide me with written confirmation once the investigation is complete and the corrections have been made. 
If additional documentation is required or if you have any questions regarding this matter, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Immediate Correction of Credit Report Under XXXX U.S.C. 1681a and 15 U.S.C. 1666b Dear XXXX, I am writing to formally dispute an inaccuracy in my credit report and to request an immediate investigation and correction under the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) and the Fair Credit Billing Act ( 15 U.S.C. 1666b ). 

The issue pertains to my account with XXXX XXXX XXXX ( Account XXXX : XXXX XXXX ). Specifically, there appears to be inaccurate or incomplete information regarding the timeliness of my payments. Contrary to the information reflected on my credit report, all payments have been made on time. 

To support my dispute, I have attached a letter from XXXX XXXX XXXX confirming that my account is in good standing and that all payments have been made as agreed without delay. 

I respectfully request that you : Investigate this matter thoroughly. 
Correct the inaccuracies on my credit report to reflect accurate and complete information. 
Provide me with written confirmation once the investigation is complete and the corrections have been made. 
If additional documentation is required or if you have any questions regarding this matter, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this matter. 

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