Consumer complaint received 2025-01-07 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 - Disputed Accounts on my Credit Report Dear CFPB, After completing the investigation outlined in this dispute, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed discrepancies in the reporting of an account that was not accurate. The account in question, XXXX XXXX XXXX  ( Account # : XXXX ), is reporting late payments and additional discrepancies that do not align with my payment history or account details. 
Account Errors Identified : Late Payments : XXXX and XX/XX/XXXX late payments on XXXX and Experian. 
XX/XX/XXXX late payment on XXXX. 
These are inaccurate as payments were made on time. 
Last Verified : The reported last verification dates across bureaus are inconsistent and incorrect. 
Date of Last Activity : Differing and inaccurate " Date of Last Activity '' reported across the bureaus. 
Creditor Remarks : Remarks such as " Dispute resolved ; reported by grantor '' and " Account previously in dispute- now resolved by data furnisher '' are inaccurate and misleading. 
Last Payment : The reported " Last Payment '' dates are inconsistent and do not match the actual payment records. 
Account Details : Account Type : Auto Loan High Balance : {$24000.00} Balance Owed : {$11000.00} Monthly Payment : {$540.00} Date Opened : XX/XX/XXXX Dispute Status : Account previously in dispute, now resolved Credit Limit : {$0.00} Past Due Amount : {$0.00} Payment Status : Current Supporting Evidence To support my dispute, I am attaching the following documents as evidence : Correspondence from the Creditor : Verifying the results of the previous dispute and confirming the account status. 
Previous Dispute Letter : Detailing the inaccuracies addressed in the earlier investigation. 
Personal Documents : Including a copy of my ID and proof of address to confirm my identity. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 USC 1681i ( a ) ( 1 ) : Requirement to reinvestigate disputed information.

15 USC 1681c ( a ) ( 2 ) ( A ) : Inaccurate late payments negatively impacting my report must be removed.

15 USC 1666 ( b ) : Obligation to ensure proper procedures for payment notification and recordkeeping. 
If the reported late payments and errors can not be verified with supporting evidence, I demand the following : Immediate correction of the account status to " Paid As Agreed Never Late. '' A written description of the procedures used in your investigation, including how information was verified and any documentation provided by the data furnisher. 
Correction of all inaccurate fields, including " Last Verified, '' " Date of Last Activity, '' " Creditor Remarks, '' and " Last Payment. '' I expect your agency to comply with the legal requirements under the FCRA and provide a response within 30 days as mandated. If you can not resolve the dispute within this timeframe, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Your cooperation is critical to maintaining the accuracy and integrity of my credit report. Thank you for your attention to this matter, and I look forward to a resolution promptly. 
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