Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification Under FCRA Dispute Regarding XXXXXXXX XXXX XXXXXXXX XXXX Account To Whom It May Concern, I am writing to formally request the method of verification concerning the account listed on my credit report as XXXXXXXX XXXX XXXXXXXX XXXX, which reflects inaccurate late payment information. This request is made pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), which grants me the legal right to obtain a detailed description of the procedures used in your investigation of my dispute. 

I have disputed the accuracy of the late payments reported on this account on multiple occasions, as I have never made a late payment on this account. Nevertheless, each time, your response has been that the account was verified as accurate. This is false and misleading, especially considering that other major credit bureaus are reporting this same account as being in good standing with no late payments. 

I am exercising my right under the FCRA and request the following : The method of verification used to validate the alleged late payments. 

The name ( s ), title ( s ), and contact information of the person ( s ) you communicated with regarding this account during your investigation. 

The date and time of these communications. 

Copies of all documentation, including payment history, that you or the furnisher used to determine the accuracy of the late payments. 

A statement confirming whether Experian contacted the data furnisher directly, as required by law, or relied solely on an automated system like e-OSCAR, which does not satisfy the investigation requirements under the FCRA.

Legal Basis : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

As further clarified in 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), you must promptly provide all relevant information to the furnisher.

Most importantly, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) entitles me to receive a description of the procedure used to determine the accuracy and completeness of the disputed information, including the business name and address of the furnisher and a telephone number if reasonably available. 

Required Timeline : According to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ), Experian is required to provide this information within 5 business days of receiving this request.

Failure to Comply : If you can not verify the late payment information with actual evidence, such as signed records or original billing/payment documentation, then you are legally obligated to delete the inaccurate information from my credit report. This is supported by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which states that a credit reporting agency must delete or modify disputed information if it can not be verified after reinvestigation.

Penalties for Non-Compliance : If Experian fails to comply with the FCRA requirements, it may be subject to penalties under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ), including actual damages, punitive damages, costs, and attorneys fees. 

I have enclosed a copy of my credit report showing your previous claim that the information has been verified as accurate. Given that the account is being reported inconsistently across bureaus and without proper substantiation, I demand a detailed response within 5 business days from the receipt of this letter. If you can not provide the method of verification and supporting documentation, you must delete the late payment entries and/or remove the account from my credit report entirely. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report Showing Disputed Entry

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