Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 



XXXX XXXX  : Account number : XXXX, Unverifiable. Please validate this account for me thanks.

This account is incorrectly listed as having a late payment. I want to clarify that I have never been late on this account. According to 15 U.S.C. 1666b, the law clearly states, A credit may not treat a payment on a credit card account under an open end consumer report as a late for any purpose unless they send the information in section 15 U.S.C. 1637b. They must mail it 21 days before the payment due date.

I request proof that this information was mailed or delivered 21 days before the due date. If the creditor can not provide this information, the late payment must be deleted and removed from my report. As a consumer, I am entitled to accurate and verifiable information under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). I am requesting that you conduct a thorough investigation of this matter. 



XXXXXXXX XXXX  : Account number : XXXX, Unverifiable. Please validate this account for me thanks. This account is incorrectly listed as having a late payment. I want to clarify that I have never been late on this account. According to 15 U.S.C. 1666b, the law clearly states, A credit may not treat a payment on a credit card account under an open end consumer report as a late for any purpose unless they send the information in section 15 U.S.C. 1637b. They must mail it 21 days before the payment due date. 



I request proof that this information was mailed or delivered 21 days before the due date. If the creditor can not provide this information, the late payment must be deleted and removed from my report. As a consumer, I am entitled to accurate and verifiable information under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). I am requesting that you conduct a thorough investigation of this matter. 



XXXX XXXX : Account number : XXXX, Unverifiable. Please validate this account for me thanks. This account is currently subject to litigation, and under the Fair Credit Reporting Act ( FCRA ), particularly Section 611 ( 15 U.S.C. 1681i ) ], it is my right to ensure that only accurate, verifiable, and complete information is reported on my credit file. Given that the validity of this account is actively being challenged through legal proceedings, I request that you conduct an immediate investigation to verify its accuracy and status. Additionally, I urge you to temporarily suppress or delete this account from my credit report, as its reporting could cause undue harm while the matter remains unresolved. 



XXXX XXXX : Account number : XXXX, Unverifiable. Please validate this account for me thanks. This account is currently subject to litigation, and under the Fair Credit Reporting Act ( FCRA ), particularly Section 611 ( 15 U.S.C. 1681i ) ], it is my right to ensure that only accurate, verifiable, and complete information is reported on my credit file. Given that the validity of this account is actively being challenged through legal proceedings, I request that you conduct an immediate investigation to verify its accuracy and status. Additionally, I urge you to temporarily suppress or delete this account from my credit report, as its reporting could cause undue harm while the matter remains unresolved. 



XXXX XXXX XXXX XXXX : Account number : XXXX, Unverifiable. Please validate this account for me thanks. This account is currently subject to litigation, and under the Fair Credit Reporting Act ( FCRA ), particularly Section 611 ( 15 U.S.C. 1681i ) ], it is my right to ensure that only accurate, verifiable, and complete information is reported on my credit file. Given that the validity of this account is actively being challenged through legal proceedings, could you please conduct an immediate investigation to verify its accuracy and status? Additionally, I urge you to temporarily suppress or delete this account from my credit report, as its reporting could cause undue harm while the matter remains unresolved. 



You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification on? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

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