Consumer complaint received 2025-07-06 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:
I am writing to formally request a detailed description of the investigation process that your agency followed with respect to the disputed account ( s ) on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( a ) and related provisions, credit reporting agencies are obligated to furnish a comprehensive description of their investigative procedures within 15 days of receiving a consumer dispute.

Upon my recent review of my credit report, I identified inaccuracies related to an account ( Account Number : XXXX XXXX for which three late payments were reported. I maintain, based on my records and payment history, that all payments on this account were made on time. I have enclosed a copy of my credit report highlighting the following disputed dates : XXXX I respectfully request that you : 1. Provide a Detailed Description of the Investigation Process : In compliance with FCRA requirements, please supply a complete description of the procedures and methodologies used to investigate my dispute, including how you verified the accuracy of the information reported. This description should detail each step taken during the investigation and the basis upon which your conclusions were reached.

2. Submit Documentation Supporting the Late Payment Claims : Please furnish documented evidencesuch as specific dates, amounts, and any relevant communicationsthat supports the claim that the payments in question were late. If such evidence can not be provided, I expect that the information on my credit report be corrected promptly.

3. Clarification on the Reporting of Payment History : Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely reflecting transactions or experiences between myself and the reporting entity that adversely affect my credit report. As the account has been consistently paid on time, it should accurately reflect a status of Paid As Agreed Never Late ( PAANL ). I therefore request that, if the investigation does not yield verifiable proof of late payments, the account be updated to reflect its correct status.

4. Explanation of Periodic Statement Procedures : In addition, I request that you provide, in writing, the reasonable procedures you have adopted in accordance with 15 USC 1666 ( b ) and Section 1637 ( b ) of Title 15 to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date. This information is critical in ensuring compliance with federal requirements and in safeguarding consumer rights.

Furthermore, I bring to your attention that the continued reporting of inaccurate late payments not only violates the FCRA but may also constitute a breach under the Consumer Protection Act and the Truth in Lending Act. I have consistently met my payment obligations as agreed, and any discrepancies in reporting must be corrected to accurately reflect my financial responsibility.

Please provide the requested information and a written response within 30 days of receipt of this letter. Failure to do so will be considered a violation of my rights under the FCRA, and I will pursue any and all legal remedies available.

Thank you for your prompt attention to this matter. I look forward to your detailed response and the immediate rectification of the inaccuracies 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