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 : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to follow up on my initial dispute, submitted on XX/XX/XXXX, regarding inaccuracies reported for the XXXX XXXX account on my credit file. Despite this prior dispute, no corrections have been made, and the inaccurate information remains on my report. This continued failure to correct the errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which requires consumer reporting agencies to maintain accurate and verifiable information. 
Account Details Account Number : XXXX High Balance : {$52000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$23000.00} Account Status : Open Payment Status : Current Payment History Inaccuracy : Reported 30-day late payments in XX/XX/XXXX. 
Nature of the Error The reported late payments are inaccurate and do not reflect my actual payment history. 
The discrepancies are as follows : XXXX : Reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
XXXX and Experian : Reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. 
These reported delinquencies are erroneous. I have consistently made all payments for this account on time, and the account should reflect a status of " Paid As Agreed Never Late. '' Request for Investigation and Correction As per the FCRA, I am requesting the following : A detailed description of the investigation process you conducted after my initial dispute on XX/XX/XXXX, including the methods and procedures used to verify the accuracy of the reported late payments. 
Documented evidence provided by XXXX XXXX or any other relevant source to substantiate the claim of late payments.

If you are unable to verify the accuracy of these reported late payments, I demand that this account be corrected to reflect its accurate status as " Paid As Agreed Never Late. '' Legal Obligation Under the FCRA, you are required to investigate disputes thoroughly and correct inaccuracies promptly. If the disputed information can not be verified, it must be removed or corrected within the legally mandated 30-day timeframe as per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Failure to comply with these obligations not only harms my credit report but also violates federal law. If this matter is not resolved within the required timeframe, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action to ensure my rights are protected. 
Summary of My Expectations Remove the inaccurate late payment marks for XX/XX/XXXX and XX/XX/XXXX from XXXX, and for XX/XX/XXXX and XX/XX/XXXX from XXXX and Experian. 
Provide written confirmation of the corrections made to my credit file.

Supply a detailed explanation of the procedures used to investigate my dispute.

Thank you for your immediate attention to this matter. I look forward to receiving your response within the XXXX timeframe mandated by the FCRA. 
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