Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute inaccurate information regarding late payments reported on my credit report for the XXXX XXXX account and to request a detailed description of the investigation process, as required by the Fair Credit Reporting Act ( FCRA ). 
Pursuant to 15 USC 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures followed in investigating this dispute. I expect this information within 15 days of receiving this correspondence. 
Account Details : Account Number : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet the errors persist. The account details on the three credit reports contain the following errors : Late Payment Reporting : No valid proof has been provided to substantiate the late payments reported for the above-mentioned dates. My records indicate all payments were made on time.

Discrepancies in Key Dates : The " Date Last Active '' and " Date of Last Payment '' are inconsistent across reports, leading to inaccuracies.

Incorrect Account Status : The account is erroneously reported as " Closed '' instead of " Paid As Agreed Never Late '' in some bureaus.

Violations and Legal References : Under 15 USC 1681e ( b ), credit reporting agencies must maintain procedures to ensure maximum possible accuracy of the information in consumer reports. The inaccuracies outlined above demonstrate a failure to comply with this requirement.

As per 15 USC 1681s-2 ( a ), furnishers of information are obligated to provide accurate information.

Per 15 USC 1681i ( a ) ( 5 ) ( A ), if an investigation can not verify the accuracy of disputed information, the item must be promptly deleted or corrected.

Additionally, I am requesting documentation to support the reported late payments, including : Payment records for the disputed dates.

Communications substantiating the claim of late payments.

Evidence of compliance with 15 USC 1666 ( b ) and 15 USC 1637 ( b ) regarding proper notification and reporting of billing and payment cycles.

If the investigation can not verify the late payments, I demand that the account status be updated to " Paid As Agreed Never Late '' immediately.

PAANL ( Paid As Agreed Never Late ) : The terms of my agreement have been consistently adhered to, and the account history should reflect my timely payments. Failure to rectify these inaccuracies constitutes a direct violation of the FCRA and adversely impacts my credit standing.

Please address this matter with urgency and provide a written response detailing the resolution and investigation process within 30 days as required by the FCRA. Should you fail to comply, I reserve the right to pursue further legal action. 
Thank you for your prompt attention to this matter. I look forward to a timely and accurate resolution. 
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