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: TX

Complaint narrative:
XX/XX/XXXX Subject : Follow-Up Dispute and Request for Detailed Investigation Description Dear CFPB, I am writing to follow up on my previous dispute filed on XX/XX/XXXX regarding inaccuracies on my credit report. The issues remain unresolved, and I am requesting a detailed description of the investigation process your agency conducted, as required under 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 that the account detailed below continues to show inaccurate late payments. According to my records, I made all payments on time for this account, and the reported late payments are erroneous. I kindly request that you reinvestigate this account and update the inaccurate information promptly. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX High Balance : {$6300.00} ( Discrepancy : Does not match across bureaus ) Last Verified : XX/XX/XXXX ( Discrepancy : Missing in Experian and XXXX XXXX Date of Last Activity : XX/XX/XXXXXXXX  ( Discrepancy : Does not match across bureaus ) Closed Date : XX/XX/XXXX ( Discrepancy : Only reported by XXXX XXXX Account Status : Closed ( Discrepancy : All bureaus show " Closed '' ) Last Payment : Missing in XXXX XXXX XXXX XXXX Missing in Equifax Reported Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX on XXXX XXXX Experian and XXXX XXXX 
Violation of Federal Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain information solely as to transactions or experiences between the consumer and the reporting entity unless they are accurately reported.

15 USC 1666 ( b ) : Agencies must ensure periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires a thorough reinvestigation of disputed information.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies.

Evidence of Error : I have attached my payment records and bank statements showing that all payments were made on time for the disputed months. These documents confirm that the reported late payments are inaccurate. 
Request for Action : Reinvestigate the inaccurate late payment entries for this account.

Provide a detailed description of the investigation process, including verification procedures.

If you are unable to verify the late payments, update the account to reflect " Paid As Agreed Never Late. '' Provide documented proof supporting the late payment claims, including dates, amounts, and relevant communications.

Update my credit report within the timeframe established by the FCRA, Consumer Protection Act, and Truth in Lending Act.

Failure to address this matter accurately and within the required timeframe will result in further escalation. I appreciate your prompt attention to this issue and look forward to receiving a response within 30 days. 
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