Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account on My Credit Report Dear CFPB, After reviewing my credit report, I have identified inaccuracies in the reporting of my XXXX XXXX account ( Account Number : XXXX ). I am writing to formally dispute the reported late payment for XX/XX/XXXX, as my payment records indicate that this account was paid on time. This is my second dispute regarding this matter, and I kindly request a thorough investigation and correction of this accounts status. 
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 XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian and XXXX XXXX Account Status : Closed ( all bureaus ) Payment Status : Current ( all bureaus ) Two-Year Payment History : XXXX late payment reported for XX/XX/XXXX ( all bureaus ). 
Discrepancies Identified : Late Payment Inaccuracy : All three bureaus ( XXXX, Experian, and XXXX ) report a XXXX late payment for XX/XX/XXXX. According to my records, payments were made on time, and I have attached documentation supporting this. 
Inconsistent Reporting Dates : The Date of Last Activity varies significantly among the bureaus ( XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian, and XX/XX/XXXX for XXXX ). 
Legal Basis for the Dispute : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure maximum possible accuracy of the information reported on consumer credit files ( 15 USC 1681e ( b ) ).

Violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate or outdated information related to transactions or experiences between the consumer and the creditor. The reported late payment contradicts my payment records.

Violation of 15 USC 1666 ( b ) : Creditors are required to ensure that periodic statements are mailed to consumers at least 21 days before the payment due date, including accurate details of payment obligations. If there are discrepancies, they must provide evidence of adherence to this requirement.

Failure to Investigate : Per 15 USC 1681i, credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes the accuracy of information. I have previously disputed this account without resolution. 
Request for Action : Update the account to reflect its accurate status as Paid As Agreed, Never Late. 
Provide a detailed description of the investigation process followed, including the methods used to verify the disputed information and the name and contact details of the furnisher. 
Remove the reported late payment for XX/XX/XXXX and update my credit report across all three bureaus. 
Attached Documentation : Payment records demonstrating timely payments for the disputed period. 
Copy of my credit report highlighting the discrepancies. 
If you are unable to verify the accuracy of the reported late payment, I request that the inaccurate information be removed immediately. Additionally, please provide a written response within 30 days as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 
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