Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Request for Investigation and Description of Investigation Process Disputed Account on My Credit Report ( XXXX  XXXX ) Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed XXXX  XXXX account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I identified discrepancies regarding late payment entries for this account that are inaccurate. Specifically : XXXX : Reports 6 late payments between XXXX and XX/XX/XXXX ; however, not all these payments are visible in the credit report. 
Experian : Reports 10 late payments between XXXX and XX/XX/XXXX ; however, the report does not show all these late entries. 
XXXX : Reports 5 late payments between XXXX and XX/XX/XXXX ; yet, several of these payments are not clearly documented in the report. 
Account Details : Account Number : XXXX High Balance : {$400.00} ( XXXX and Experian ), {$300.00} ( XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX XXXX Balance Owed : {$0.00} Payment Status : Current Account Status : Open Creditor Remarks : XXXX XXXX " Dispute resolved; reported by grantor. '' Experian : " Account was in dispute- now resolved - reported by subscriber. '' XXXX : " Account previously in dispute- now resolved by data furnisher. '' Basis for Dispute : To the best of my knowledge and records, I have consistently paid this account on time in accordance with the agreed-upon terms. The reported late payments are inconsistent with my actual payment history, and several of the payments listed by your bureaus do not appear in the credit report, which raises concerns about accuracy and completeness in reporting. 
Under the terms of my agreement with XXXX XXXX, all payments were made on time and in full. As such, the account should accurately reflect a status of Paid As Agreed Never Late. The inaccurate reporting of late payments undermines the integrity of my credit report and misrepresents my financial responsibility. 
Request for Resolution : Correction of Errors : Update the account to reflect its accurate status of Paid As Agreed Never Late. 
Documentation : Provide documented proof supporting the claim of late payments on this account, including specific dates, amounts, and any relevant communication. 
Investigation Procedure : Provide a detailed description of the investigation procedure used to verify these late payments, per 15 USC 1681i. 
Supporting Evidence : I have attached a copy of my credit report highlighting the discrepancies and inconsistencies for your review. 
Legal Obligations : As mandated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report must not include inaccurate information. Additionally, reasonable procedures, as required under 15 USC 1666 ( b ), should have been in place to ensure timely mailing of statements and accuracy in reporting. 
Failure to address these inaccuracies in a timely and thorough manner constitutes a violation of the FCRA. If your investigation can not verify the reported late payments, I demand the account be updated promptly to reflect accurate reporting with the status

Paid As Agreed Never Late. I appreciate your prompt attention to this matter and expect a resolution within 30 days of receipt of this letter, as required by law. Please confirm receipt of this dispute
and provide updates on the investigation. 
Sincerely, 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