Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX Sales Contract with account # XXXX opened on XX/XX/XXXX and a balance of {$7200.00}. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least XXXX days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report XXXX XXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$77.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report XXXXXXXX XXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least XXXX  days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6300.00}. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least XXXX days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

Sincerely, 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