Consumer complaint received 2025-08-05 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: HI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate me disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of a though investigation. this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB Recent adminstrative proceeding am writing to dispute the inaccurate late payment information reported on my credit report for the account listed below. This dispute is made in accordance with 15 U.S.C. 605B ( removal of unverifiable information ) and the METRO-2 format.

Account Information ( METRO-2 Format ) : ECOA ( Equal Credit Opportunity Act ) Code : [ Insert ECOA Code ] Account Status Code : [ Insert Account Status Code ] Payment History Profile : [ Describe the issue with late payments, such as " payments marked as late in XX/XX/year> '' ] Date of First Delinquency : [ Insert Date ] Compliance Condition Code : [ Insert Compliance Code, if applicable ] Date of Account Information : [ Insert Date of Account Information ] Remarks or Special Comments : [ Any relevant remarks or notes about the dispute ] Dispute Details : I dispute the late payment information being reported for the above account. I believe the payments were made on time and that the reported late payments are either inaccurate or unverifiable. Under 15 U.S.C. 605B, I request that these late payment entries be removed from my credit report unless they can be properly verified. 
Legal Rights and Expectations : Under 15 U.S.C. 605B, if the disputed information can not be verified, it must be removed from my credit report. I expect this process to be completed within 30 days, as stipulated by the Fair Credit Reporting Act.

Request for Resolution : Please provide the disputed account information in METRO-2 format, including all relevant codes and data. 


Confirm the results of your reinvestigation and provide me with written verification or supporting documentation for the late payments reported. 


If you can not verify the accuracy of the late payments, I request the immediate removal of these entries from my credit report. 


Please send me a copy of my updated credit report reflecting the removal of the disputed late payments. 


If you fail to verify the late payments and remove them within the statutory timeframe, I will pursue legal action under the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. I look forward to receiving a timely response and the updated information on my credit report.

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