Consumer complaint received 2025-01-31 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: AL

Complaint narrative:
XX/XX/XXXX Equifax Equifax : XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to dispute inaccurate information reported on my credit report regarding the XXXX Card account. After reviewing my credit report, I noticed that the account reflects three late payments ; however, these payments were made on time. I have attached a copy of my report, which reflects these late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The consumer reporting agencies are required under federal law to report complete and accurate information, and this account should not reflect any late payments. I am requesting an investigation into this matter, as these payments were timely, and I request that these entries be corrected to reflect on-time payments. 
Relevant Credit Laws : XXXX. Fair Credit Reporting Act ( FCRA ), Section XXXX ( Investigation of Disputed Information ) : The FCRA mandates that when a consumer disputes information on their credit report, the consumer reporting agencies must investigate the disputed information within 30 days. If the investigation reveals that the information is inaccurate, the credit bureau must correct or delete the information immediately. 
XXXX. Fair Credit Reporting Act ( FCRA ), Section XXXX XXXX XXXX XXXX ( Accuracy and Integrity of Information ) : This section requires consumer reporting agencies to adopt reasonable procedures to ensure that the information they report is accurate, complete, and up-to-date. Inaccurate information, such as these late payments, violates this requirement. 
XXXX. Fair Credit Reporting Act ( FCRA ), Section XXXXXXXX ( Exclusion of Inaccurate Information ) : This law ensures that negative information like late payments is reported correctly and is removed after XXXX years from the date of first delinquency. Since the payments were made on time, they should not be considered late and thus should not appear as negative items. 
XXXX. Fair Credit Reporting Act ( FCRA ), Section XXXX ( Right to Obtain a Copy of Your Credit Report ) : This section gives consumers the right to access their credit report and identify any discrepancies or errors, as I have done in this case. 
XXXX. Fair Credit Reporting Act ( FCRA ), Section XXXX ( Notice of Negative Information ) : This section requires that if negative information ( such as late payments ) is reported, the consumer must be notified. Since I have not received any such notification, it further validates that the reported information is likely incorrect. 
Request for Action : In accordance with Section XXXX of the FCRA, I am formally requesting that you investigate the XXXX Card account and update the status of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to reflect on-time payments. 
I have attached a copy of my credit report, which reflects the disputed late payments. I am confident that upon review, the payment history for these months will be verified as on-time, and the corrections will be made promptly. 
Please send me a copy of the corrected credit report once the changes have been made, as required under Section XXXX. 
Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this issue.

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