Consumer complaint received 2024-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to dispute the inaccurate information that appears on my credit report in relation to late payments reported by XXXX XXXX XXXX. According to my records, there were no late payments made between XX/XX/XXXX and XX/XX/XXXX. These reported late payments are both inaccurate and harmful to my credit standing. 

Violation of FCRA ( Fair Credit Reporting Act ) Guidelines Under the Fair Credit Reporting Act ( FCRA ), Experian, as a credit reporting agency, is required to follow strict procedures to ensure the maximum possible accuracy of the information it includes in consumer reports. Reporting inaccurate or unverifiable information violates your obligations under the FCRA, specifically : FCRA 1681e ( b ) You are required to ensure that any information reported on my consumer report is accurate and up to date. The late payments reported by XXXX XXXX XXXX are inaccurate, and by law, it is your responsibility to conduct a thorough investigation to confirm the accuracy of this data. 
FCRA 1681i ( a ) ( 1 ) ( A ) Upon receiving a dispute regarding inaccurate information, you are required to investigate the disputed information within 30 days and remove or correct the data if it is found to be inaccurate or unverifiable.

FCRA 1681i ( a ) ( 5 ) ( A ) If the information is found to be inaccurate or can not be verified, it must be promptly deleted or corrected from my report.

Verification of Information Required Additionally, under FCRA 1681b ( b ) ( 2 ), I am requesting all documentation used to verify the reported late payments, including any information provided by XXXX XXXX XXXX. Furthermore, under FCRA 1681g, I am requesting copies of any information sent to me by XXXX XXXX XXXX at least 21 days prior to my due date as required by law, indicating a late payment or any such notifications. 

Non-Compliance with Legal Standards Failure to investigate and correct inaccurate information is a clear violation of the FCRA. Placing unverifiable or incorrect information on my consumer report is considered non-compliance, and I reserve the right to pursue legal action if this issue is not resolved promptly. Please be aware that under FCRA 1681n, non-compliance with these provisions may entitle me to damages, including attorneys fees and costs, for willful non-compliance. 

Immediate Action Required I am requesting the following actions to resolve this matter : Immediately remove the inaccurate late payment entries from XX/XX/XXXX to XX/XX/XXXX from my credit report. 
Provide me with all documents or information that were used to verify these late payments, including any records provided by XXXX XXXX XXXX. 
Conduct a thorough investigation into this matter and provide me with a written statement of your findings. 
Please treat this letter as a formal dispute under the FCRA. I expect to receive a confirmation of receipt of this letter, along with an investigation and resolution, within the 30-day window required by law. 

Thank you for your prompt attention to this urgent matter. I look forward to a swift and satisfactory resolution.

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