Consumer complaint received 2025-01-15 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:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Verification of Credit Report Accuracy Dear Experian Representative, This letter is a formal request for an accurate and complete review of the information on my credit report. Specifically, I dispute the accuracy of the information regarding the account with XXXXXXXX XXXX XXXX XXXX Account # XXXX. 

Upon reviewing the report, I found a late payment entry for XX/XX/XXXX that I believe is incorrect and possibly due to a billing error. In accordance with 15 USC 1666 of the Truth in Lending Act ( TILA ), any identified billing errors must be corrected. Legal precedent, including Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 ), reinforces the obligation of credit reporting agencies to conduct reasonable investigations and correct inaccuracies. 

As per the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX standard, all reported data must be verified, factually accurate, and fully compliant. I challenge Experian to substantiate each claim related to my account by providing detailed, verified documentation. The information should meet the standards outlined in the XXXX Consumer Reporting Resource Guide ( CRRG ), which states, " Any deviation of these standards jeopardizes the integrity of the data. '' Furthermore, I am aware that Experians practices have come under scrutiny, as evidenced in the attached complaint filed by the Consumer Financial Protection Bureau ( CFPB ). The complaint outlines systemic failures, including Experians reliance on faulty dispute codes, its refusal to forward supporting documentation to furnishers, and inconsistent dispute resolution practices. These failures directly impact the accuracy of consumer reports, as demonstrated in my case.

I respectfully request that Experian : 1. Verify and provide evidence supporting the disputed late payment entry for XX/XX/XXXX. 
XXXX. Correct the report if the late payment can not be validated to reflect the account status as " paid as agreed '' or " never late. '' 3. Ensure all aspects of the reporting process comply with XXXX XXXX standards and the FCRAs requirements for accuracy, completeness, and timely resolution. 

Experian fail to comply for months, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for further investigation and resolution. 

I expect a written response sent to my address at XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX. Please provide a comprehensive update on the results of your reinvestigation and a detailed explanation of any actions taken. 

Thank you for your immediate attention to this matter. 

Faithfully, 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