Consumer complaint received 2024-11-11 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 your agency followed regarding the disputed accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I identified inaccuracies in the reporting of an account with XXXX. Specifically, I noticed that there were two late payments inaccurately marked on my account. I would like to clarify that these payments were made on time and request that this information be corrected to reflect timely payments. Despite my previous dispute submissions, I have not observed any corrections or changes in the reporting, which continues to inaccurately reflect late payments on this account. 
Account Information : Creditor : XXXX  Account Number : XXXX Discrepancies : The alleged late payments are reported on Experian for XXXX and XX/XX/XXXX as 30 days late. However, I have consistently made timely payments, as demonstrated by the attached payment records. These records substantiate that my payments were made as agreed and are evidence of a reporting error. It is concerning that, despite my previous dispute, no adjustments have been made to correct this information.

Reference to FCRA Compliance and Accuracy : As outlined in 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should accurately reflect the transactions between myself and the reporting entities. Late payment reporting inaccurately reflects my payment history and misrepresents my adherence to the account terms. 
I kindly request that you provide a description of the procedure used to investigate and verify this account. I also ask that you include documented proof of the late payments if available, detailing dates, amounts, and relevant communications supporting these claims. In the absence of valid proof, I expect the credit reporting to be corrected promptly. 
Request for Corrective Action : If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I ask that the account status be updated to " Paid As Agreed Never Late. '' As required by the FCRA, I request a written response within 30 days of receiving this letter. Failure to provide a timely and compliant response will be considered a violation of the FCRA. 
Your cooperation in ensuring the accuracy and fairness of my credit report is crucial. I look forward to a prompt response and a resolution that aligns with the FCRA and the Truth in Lending Act. 
Thank you for your attention to this matter. 
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