Consumer complaint received 2025-01-02 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 Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Details of the Disputed Account : Account Name XXXX XXXX XXXX Account Number : XXXX High Balance : {$19000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for XXXX and XXXX XXXX XX/XX/XXXX for Experian and XXXX. 
Explanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. 
Date of Last Activity : Inconsistent reporting across XXXX, Experian, and XXXX. 
Under 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant.

Legal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate.

15 USC 1681s-2 : Data furnishers are required to report accurate information and correct inaccuracies promptly.

15 USC 1666 ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers.

Specific Request : Conduct a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation.

Provide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim.

If the investigation reveals errors, update the account status to " Paid As Agreed, Never Late. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner may result in further action, as permitted under the FCRA.

Thank you for your prompt attention to this matter. Please provide a written response within the 30-day period stipulated by the FCRA. I look forward to your response and resolution of this issue. 
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