Consumer complaint received 2024-11-05 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 Account on My Credit Report To : Experian Following the completion of your investigation into my previous dispute, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed 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 have identified that there has been no change since my initial dispute regarding inaccurate late payments on this account. I would like to reassert that the reported late payments are inconsistent with my payment history. I have consistently made timely payments on this account, as verified by my enrollment in autopay, which has ensured there have been no missed payments. 
I request that the records for XXXX Account # XXXX be corrected across all bureaus to accurately reflect on-time payments, as previously requested in my initial dispute. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report do not align with my actual payment history. I request that the record reflect my adherence to all payment terms. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of incorrect late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation regarding consumer accounts. 
Truth in Lending Act ( TILA ) : The inaccurate reporting of late payments also violates the TILA, which requires accurate credit reporting. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) establish civil liability for willful and negligent noncompliance, allowing for damages, attorneys fees, and punitive damages in cases of noncompliance. 
Discrepancies in Payment History The discrepancies in reporting by each bureau remain as follows : XXXX and Experian : Report 30-day, 60-day, and 90-day late statuses across various months, including XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ; and XXXX and XX/XX/XXXX. These entries are inaccurate, as all payments were made on time. 
XXXX : Reflects late payment notations for XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ; and XXXX and XX/XX/XXXX, despite timely payments. These entries are inconsistent with my payment record and negatively impact my credit standing. 
Requested Resolution I request that Experian update this account to reflect accurate, on-time payments in accordance with my verified payment history. If this information can not be corrected, I kindly request a written explanation of the investigation process used to verify these late payments. 
I expect to receive written documentation confirming the correction of these entries within 30 days of this complaint submission. Failure to resolve this issue promptly may result in further action to protect my consumer rights. 
Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
Appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account 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