Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE UNDER FCRA INACCURATE REPORTING OF LATE PAYMENT Creditor : Pathward/Oportun Account Number : XXXX Dear Experian Dispute Department, I am writing to you as a consumer exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, to formally dispute an inaccurate derogatory entry appearing in my credit file regarding a late payment allegedly reported by Pathward/Oportun in XX/XX/year> XXXX 
According to my Experian credit report, the above-referenced account is marked as 30 days past due in XX/XX/year>, which I categorically assert is factually incorrect, misleading, and unsupported by verifiable evidence. This negative mark is materially harmful to my credit standing and is being challenged as an error of reporting under federal law. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am formally requesting that Experian initiate a reinvestigation into this account entry and that you provide all documentation and substantiating evidence submitted by the data furnisher ( Pathward/Oportun ) to justify this derogatory mark.

Pursuant to the above-cited statute, I specifically demand that your reinvestigation includes : 1. The full name, department, and contact information of the individual or automated system within XXXX who verified and/or submitted this alleged late payment data ; XXXX. The exact date and method by which this information was reported to your bureau ; XXXX. A complete and unredacted copy of the documentary evidence relied upon by the furnisher to assert that a late payment occurred in XX/XX/year> ( including billing statements, system notes, payment logs, or internal correspondence ) ; 4. Verification of whether the account was current at the time of the report, and if any system error or misclassification occurred ; 5. Confirmation of whether this information was verified via an Automated Consumer Dispute Verification ( ACDV ) form or through direct human review.

If the furnisher is unable to verify this late payment with documented, specific, and timely evidence, the FCRA mandates its prompt removal from my credit file. Any continued reporting of unverifiable or inaccurate derogatory information is considered a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and could subject the responsible parties to civil liability under 15 U.S.C. 1681n and 1681o.

This dispute is factual in nature, and I am not seeking a goodwill adjustment. I am requesting a full reinvestigation in accordance with the law. Failure to fully comply with this request may result in legal action or formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General.

Please respond in writing within the statutory 30-day period and include the results of your investigation along with all supporting documentation received from XXXX. If your reinvestigation results in deletion, please provide confirmation of the removal to all applicable bureaus and furnishers. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation