Consumer complaint received 2024-10-23 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: CA

Complaint narrative:
I am writing to express my extreme dissatisfaction with the recent handling of a dispute regarding a XXXX late payment reported on my XXXX XXXX account for XX/XX/year>. When I initiated the dispute, I expected Experian to conduct a thorough and accurate investigation as required by the Fair Credit Reporting Act ( FCRA ). Instead, not only was the XXXX late payment not corrected, but my credit report was erroneously updated to reflect an additional late payment for XX/XX/year>, which is completely false. 

Furthermore, Experian is also inaccurately reporting my last payment date as XX/XX/year>, according to my most recent credit report. This is incorrect, as my most recent statement from XXXX XXXX, which I have enclosed, clearly shows that my last payment was made XX/XX/year>. This inaccuracy adds to the already false reporting of late payments. 

Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), credit reporting agencies must delete or correct any information that is inaccurate, incomplete, or unverifiable. The addition of an XX/XX/year> late payment and the incorrect last payment date are both demonstrably inaccurate, and these errors are significantly impacting my credit rating! Moreover, I am including my most recent statement, which shows that XX/XX/year> has not even been reported yet, making it impossible for any late payment to be valid. 

In addition to demanding the immediate deletion of both the XXXX and XX/XX/year> late payments, I am formally requesting the method of verification used to confirm this erroneous information, as I am entitled to under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Automated systems such as e-Oscar or any automated verification process will not suffice. I expect a detailed, manual verification from the original creditor or data furnisher, as the current information on my report is inaccurate. 

Furthermore, I do not wish to receive an email response. I am demanding that you send me a hard copy of my updated consumer report once these inaccuracies have been removed, as is my right under the FCRA. Failure to comply with my request for verification or to delete these false entries would constitute willful noncompliance with the FCRA. If this matter is not resolved promptly, I am prepared to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies, as well as pursue legal remedies if necessary. 

Please correct and delete the inaccurate late payment entries and incorrect last payment date immediately, and provide me with an updated credit report reflecting these corrections via postal mail. I also expect a response detailing the method of verification used. 


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