Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report regarding late payments. This letter serves as an official notice of dispute and a request for comprehensive documentation in compliance with the Fair Credit Reporting Act ( FCRA ). 

**Please Refer to Case Ruling** In the case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 190 F. Supp. 2d 81 ( XXXX XXXX. XXXX ) *, the court determined that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance solely on automated systems for verifying credit information was found insufficient. The court emphasized the need for credit reporting agencies to ensure the accuracy, fairness, and completeness of the reported information and can not rely solely on computer-generated reports without conducting a more in-depth investigation. 

XXXX XXXX - XXXX XXXX - Account Number : XXXX - Date ( XXXX ) of Reported Late Payment : XX/XX/XXXX After reviewing my credit report, I have identified inaccuracies related to late payments on the above-mentioned account. I am requesting that you provide me with the following : XXXX. XXXX Records and Documentation : ** Please furnish detailed internal records and documentation provided to you by the above-listed creditors that verify the payments on this account were indeed late. Documentation solely from systems like XXXX XXXX XXXX or similar will not suffice. I require detailed evidence, including the identity of those who certified these late payments and the methodology used to determine their accuracy. 

XXXX. **Investigation Process : ** In light of the court 's ruling in the above case, I demand a comprehensive investigation into these discrepancies. The use of a computer system alone does not meet the FCRAs requirements for a thorough investigation. 

**Legal Violations** 1. **15 USC 1681 Section 602 : ** Guarantees my right to privacy regarding the information reported on my credit report.

2. **15 USC 1681 Section 604a ( Section 2 ) : ** Prohibits consumer reporting agencies from furnishing an account without my written instructions.

3. **15 USC 1666b : ** States that a creditor can not classify a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.

I assert that I have never authorized the furnishing of any information to your agency by the aforementioned creditor without my written consent, which constitutes a violation of 15 USC 1681b. The incorrect reporting of late payments has caused undue stress and anxiety due to these unfair practices.

**Action Requested** 1. **Provide Concrete Evidence : ** Please supply the requested internal records and documentation, including evidence of who certified the late payments and the process used to make this determination.

2. **Correct Credit Report : ** I demand that you correct my credit report to reflect these accounts as " Pays As Agreed '' or " Paid As Agreed '' and update my payment history accordingly ( e.g., with a green check or greyed-out indicator ).

Please provide the requested information and documentation within 15 days of receiving this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or correct the inaccuracies, I will escalate this matter to the relevant regulatory agencies and consider all available legal remedies. 

Thank you for your prompt attention to this matter. Please send your response to the address listed above. 

**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