Consumer complaint received 2024-11-27 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 : Formal Dispute Request for Investigation and Correction of Late Payment Reporting on XXXX XXXX  Account Dear CFPB, I am writing to formally dispute the reporting of late payments on my credit report for the XXXX XXXX  account with account number XXXX. After reviewing my credit report again, I noticed that despite my initial dispute filed on XX/XX/XXXX, no corrections have been made. I am disappointed to find that the discrepancies still persist, and I am seeking resolution as outlined under the Fair Credit Reporting Act ( FCRA ). 
Summary of Errors : Inaccurate Late Payment : The account is incorrectly reporting a 30-day late payment for XX/XX/XXXX, which does not align with my payment records.

Discrepancies Across Bureaus : The reported details for the same account vary across XXXX, Experian, and XXXX, including differences in dates of last activity, dates reported, and account descriptions. 
Failure to Correct Errors : Despite the first dispute on XX/XX/XXXX, no action has been taken to address or rectify these inaccuracies. 
Violation of Payment History Accuracy : My records indicate that all payments were made on time, and this error has negatively impacted my creditworthiness.

Reason for Dispute : The account in question is inaccurately reporting a 30-day late payment in XX/XX/XXXX, as noted in my credit report. However, according to my records, all payments were made on time for the entirety of the loan term. This reporting is erroneous and damaging to my credit profile. 
Violation of the FCRA : As stated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must only include accurate and verifiable information. Furthermore, under 15 USC 1666 ( b ), creditors are required to mail periodic statements to consumers no later than 21 days before the payment due date. Failure to correct this error and provide verifiable proof constitutes a violation of these obligations.

Request for Action : Correction of the Reporting : Update the account status to reflect Paid As Agreed Never Late.

Investigation Procedures : Provide a detailed description of the investigation process followed by your agency as required under 15 USC 1681i ( 7 ).

Documentation : If the reported late payment can not be corrected, provide documented evidence of the claimed late payment, including dates, amounts, and communication records.

This is my second dispute regarding this matter. No action was taken after my initial complaint was filed on XX/XX/XXXX. The lack of correction and response is deeply concerning and unacceptable. I kindly urge you to take immediate action to investigate and correct this error, or provide documentation supporting the validity of the reporting. 
Under the FCRA, you are obligated to respond within 30 days of receiving this dispute. Please address this matter promptly and provide written confirmation of the steps taken to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and resolution. 
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