Consumer complaint received 2025-01-02 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 followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed inaccuracies related to late payments on my account with XXXX  XXXX, account number XXXX. Specifically, the account reflects late payments for the months of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Experian and XXXX ), which are inaccurate. My records indicate that these payments were made on time, and the account has consistently been paid as agreed. Additionally, the following errors are present in the reporting of this account : High Balance : Discrepancies exist with {$730.00} reported by XXXX and Experian, and {$500.00} reported by XXXX. 
Last Verified : Differing dates reported, including XX/XX/XXXX by XXXX. 
Date of Last Activity : Varies across bureaus, with XX/XX/XXXX reported by XXXX and XX/XX/XXXX by XXXX. 
Closed Date : Reported only by XXXX as XX/XX/XXXX. 
Account Rating : Listed as " Paid '' across all bureaus.

Account Status : Listed as " Closed '' across all bureaus.

To ensure compliance with the FCRA, I am requesting a thorough investigation into this matter and the following actions : Update the Account Status : The payment history for this account must reflect " Paid As Agreed, Never Late '' for all reported months. 
Provide Proof of Late Payments : Documented proof supporting the claim of late payments, including specific dates, amounts, and any communication verifying the alleged late payments.

Detailed Investigation Procedure : A description of the procedures used to investigate and verify the accuracy of the account information, as required under 15 USC 1681i ( a ) ( 7 ). 
Account Details : High Balance : {$730.00} ( XXXX and Experian ), {$500.00} ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Closed Date : XX/XX/XXXX ( XXXX ) Account Rating : Paid across all bureaus Account Status : Closed across all bureaus Late Payments : 30 days late in XX/XX/XXXX ( XXXX and Experian ), 30 days late in XX/XX/XXXX ( XXXX ) PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to. The account in question should reflect a status of " Paid As Agreed, Never Late, '' based on the timely payments made. Accurate reporting is essential to ensure that my credit report reflects my financial responsibility. I am requesting that you validate this status and correct any errors promptly.

Should you fail to provide valid proof of the alleged late payments, I demand immediate correction of the account status to reflect " Paid As Agreed, Never Late. '' This includes removing any derogatory marks associated with the inaccurate late payments.

Legal References : 15 USC 1681e ( b ) : Mandates maximum accuracy in consumer reporting.

15 USC 1681i ( a ) : Outlines the investigation process and requirements for resolving disputes.

15 USC 1666 ( b ) : Requires periodic statements to be mailed no later than 21 days before the due date.

15 USC 1681c : Restricts outdated or inaccurate information on consumer reports.

15 USC 1681s-2 : Obliges furnishers of information to ensure accuracy and promptly correct inaccuracies.

I also reference the provisions of the Truth in Lending Act, specifically 15 USC 1666 ( b ), which require reasonable procedures to ensure timely delivery of periodic statements. The reporting inaccuracies have caused harm to my credit profile and are in violation of these statutes.

If you can not provide valid proof of late payments, I demand that the account be promptly corrected to reflect its accurate status as " Paid As Agreed, Never Late. '' Please provide a written response confirming the resolution of this matter within 30 days, as required by the FCRA.

Thank you for your prompt attention to this issue. I look forward to receiving a resolution that aligns with the legal obligations outlined above. 
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