Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process and Dispute of Inaccurate Late Payments and Account Discrepancies on XXXX XXXX Account # XXXX Dear CFPB, I am writing to formally dispute inaccuracies and discrepancies in the reporting of my XXXX XXXX account ( # XXXX ) on my credit report. Specifically, I am disputing inaccurately reported late payments for XXXX and inconsistencies in key account details across your bureau. I previously submitted disputes on XX/XX/XXXX and XX/XX/XXXX, yet no changes have been made. 
Late Payment Errors : The reported late payments for the following dates are inaccurate : XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX Experian and XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX Discrepancies in Reported Account Information : High Balance : XXXX and XXXX report a high balance of {$30000.00}, while Experian reports {$0.00}. 
Last Verified Date : Both Experian and XXXX omit the last verified date, while XXXX lists XX/XX/XXXX. 
Date of Last Activity : XXXX reports the date of last activity as XX/XX/XXXX, Experian lists it as XX/XX/XXXX, and XXXX does not provide a date. 
Closed Date : Only XXXX lists a closed date of XX/XX/XXXX, while Experian and XXXX omit this information. 
Account Rating : XXXX lists the account rating as " Closed, '' while Experian and XXXX list it as " Paid. '' Legal Basis for My Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), all information on consumer reports must be accurate and complete. The inaccuracies and discrepancies listed above negatively affect my credit report and must be corrected.

Additionally : 15 USC 1681s-2 : Obligates data furnishers to report accurate information.

15 USC 1681i ( 7 ) : Requires credit reporting agencies to provide a detailed description of their investigation process.

15 USC 1666 ( b ) : Mandates that periodic statements must be provided to consumers at least 21 days before the due date.

Actions Requested : Remove the inaccurately reported late payments for 2023 from my account history.

Correct all discrepancies in the reporting of my account, including high balance, last verified date, date of last activity, closed date, and account rating.

Update the account to reflect the accurate status of " Paid As Agreed, Never Late. '' Provide a detailed description of the investigation process, including the evidence used to verify the account information, as required by 15 USC 1681i ( 7 ).

If unable to verify the accuracy of the reported late payments and discrepancies, promptly delete this information from my credit report.

Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of my agreement with AMOCO FCU have always been adhered to. The account history should reflect " Paid As Agreed, Never Late, '' accurately representing my financial responsibility.

Failure to address these inaccuracies and provide a response within the legally mandated 30 days will be considered a violation of the FCRA.

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and provide a written response detailing the outcome of your investigation. 
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