Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as Current across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 
Details of Dispute : Account Name : XXXX XXXX Account Number : XXXX Disputed Late Payment Entries : o XXXX XXXX XX/XX/XXXX to XX/XX/XXXX With discrepancies o XXXX XXXX XX/XX/XXXX to XX/XX/XXXX With discrepancies o Experian : XX/XX/XXXX to XX/XX/XXXX With Discrepancies Additional Inaccuracies and Issues 1. Future Reporting Dates : o XXXX and Experian : Last Reported is XX/XX/XXXX. 
o XXXX : Last Reported is XX/XX/XXXX. 
o Reporting dates in the future violates the FCRA 's accuracy and timeliness requirements.

2. Payment History Discrepancies : o XXXX and XXXX : Show several months with " 30/60/90-day late payments ''. 
o Experian : Shows no similar late payment entries. 
o If the account is listed as " Current, '' there should be no late payments reported. 

3. Comments Conflicts : o XXXX and Experian : State " Consumer Statement Item in Dispute by Consumer. '' o XXXX : States " Consumer disputes - reinvestigation in progress. '' o These conflicting comments indicate unresolved or inconsistent handling of disputes. 
4. Number of Months ( Terms ) Inconsistency : o XXXX and Experian : Show 564 months. 
o XXXX : Shows 0 months, which is inaccurate or incomplete. 
5. High Credit vs. Balance : o Balance : {$480000.00}. 
o High Credit : {$500000.00}.

o The balance does not exceed the high credit, but it requires proper documentation to ensure accuracy. 
6. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
XXXX : Missing. 
o Date of Last Payment : XXXX and XXXX : XX/XX/XXXX. 
Experian : Missing. 



Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.

FCRA Section 607 ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy when reporting consumer information. The reporting of late payments on a current account fails to meet this standard.

FCRA Section 611 ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report and demand a thorough reinvestigation.

FCRA Section 611 ( a ) ( 5 ) : If the information can not be verified as accurate, it must be deleted promptly. 
CFPB Standards : The Consumer Financial Protection Bureau mandates that credit bureaus and furnishers maintain fair and accurate reporting practices.

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