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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process and Correction of Inaccurate Reporting Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report concerning the XXXX account ( XXXX XXXX XXXX ) XXXX. This is the second dispute regarding this matter, following my previous complaint on XX/XX/XXXX, which has yet to be adequately resolved. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process your agency followed concerning this account. This information must be provided within 15 days, as stipulated by the FCRA.

Details of the Dispute : The account in question has been incorrectly reported with late payments as follows : XXXX : XX/XX/XXXX and XX/XX/XXXX Experian : XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX These late payments are erroneous, as I consistently made all payments on time according to the agreed-upon terms.

Account Information : Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Current Status : Closed Account Type : Automotive Loan Payment Status : Paid or Paying as Agreed ( per XXXX and XXXX ) ; Incorrectly reported as " Paid, was past due 30 days two or three times '' ( Experian ).

Monthly Payment : {$0.00} ( account closed ). 
Violation of Federal Laws : Under 15 USC 1681c, credit reporting agencies are required to ensure the accuracy of the information they report. Late payments negatively impact my credit history and do not align with my actual payment history. Further, per 15 USC 1681s-2 ( b ), furnishers of information are obligated to correct inaccuracies upon dispute.

Additionally, under 15 USC 1666 ( b ), creditors are required to adopt reasonable procedures to ensure statements and due dates are communicated appropriately to consumers.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX XXXX XXXX have always been adhered to. This account should reflect a status of " Paid As Agreed, Never Late '' because all payments were made in a timely manner.

The inaccurate reporting of late payments undermines my financial responsibility and adversely affects my creditworthiness. As the FCRA mandates, consumer reports must be accurate and complete. Failure to correct this error will constitute a breach of this obligation.

To clarify, under 15 USC 1681a ( c ) and 1681b ( a ) ( 2 ) ( A ) ( i ), information reflecting transactions and experiences solely between me ( the consumer ) and the creditor must be reported accurately. Reporting incorrect late payments violates this requirement.

Requested Action : Immediate Correction : Update the payment history on this account to reflect " Paid As Agreed, Never Late '' across all three credit bureaus.

Investigation Documentation : Provide a description of the procedures used to investigate this dispute, including the steps taken to verify the accuracy of the reported late payments.

Proof of Late Payments : If the late payments can not be corrected, provide documented proof, including dates, amounts, and supporting communication validating these claims.

Supporting Documentation : Enclosed, you will find : My previous dispute letter dated XX/XX/XXXX. 
Copies of my credit reports from XXXX, Experian, and XXXX showing the incorrect late payment entries. 
Expectations and Compliance : Per the FCRA, I request a written response within 30 days of receipt of this letter. Failure to correct these inaccuracies or provide the required documentation will be considered a violation of the FCRA and may lead to further action.

I trust your agency will take immediate action to ensure my credit report reflects accurate and fair information. I expect a resolution that aligns with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

Sincerely, XXXX 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