Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received the results of my dispute regarding the late payments reported on my credit file. I appreciate your prompt response ; however, I have some concerns that need further clarification and action as per the Fair Credit Reporting Act ( FCRA ) that wasnt followed. 

Late payments reported on my report are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In my dispute, I requested documentation verifying the late payments in question. SO, WE DONT WASTE NO MORE TIME. IM NOT ASKING YOU TO VALIDATE THESE LATE PAYMENTS!

IM TELLING YOU TO PROVIDE ME DOCUMENTATION OF WHO YOU CONTACTED, NAME OF CONTACT, PHONE NUMBER OF CONTACT, DETAILED DOCUMENTATION VERIFYING THESE LATE PAYMENTS.

According to the FCRA, specifically 15 U.S. Code 1681a ( Definitions ; rules of construction ) and 15 U.S. Code 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), there are stringent requirements for ensuring the accuracy and integrity of information reported on consumer credit files.

15 U.S. Code 1681s-2 ( a ) outlines the duty of furnishers of information to provide accurate information : 1. Prohibition : ( A ) Reporting Information with Actual Knowledge of Errors : It is prohibited to furnish any information relating to a consumer that the furnisher knows or has reasonable cause to believe is inaccurate.

Additionally, under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Given these provisions, I request detailed documentation verifying these late payments, including : 1. The specific records used to verify the late payments.

2. The identity of the person or entity you spoke to who verified the late payments.

3. Any additional documentation that supports the accuracy of the reported late payments.

It is my right under the FCRA to receive a thorough investigation of my dispute. The information provided must be accurate and verifiable. If the reported late payments can not be adequately verified with documented proof, they must be corrected or removed from my credit file. I want these late payments updated to paid as agreed or OK.

Please respond to this request with the necessary verification documents within 30 days. Failure to provide sufficient documentation may result in further action to ensure my rights under the FCRA are upheld.

Thank you for your immediate attention to this matter.

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