Consumer complaint received 2025-01-02 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 Re : Dispute of Inaccurate Late Payments on XXXX XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX XXXX account as reflected on my credit reports from XXXX, Experian, and XXXX. The details of the account are as follows : Account Information : Account Number : XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Account Status : Open Payment Status : Current Monthly Payment : {$300.00} Term Length : 66 Months Credit Limit : {$0.00} Payment Frequency : Monthly Inaccuracies in Reporting The following late payments have been reported incorrectly on my credit reports : XXXX XXXX Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Experian : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have reviewed my payment records thoroughly and have confirmed that all payments for this account were made on time and in full. I have attached supporting evidence, including bank statements and payment confirmations, which verify that the alleged late payments are inaccurate. 
Violations of Federal Law These inaccuracies constitute a violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws designed to protect consumers. Specifically : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports must not include incorrect information regarding transactions or experiences between the consumer and the reporting entity.

15 USC 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

15 USC 1681i ( a ) ( 1 ) : Consumer reporting agencies are required to reinvestigate disputed information and must correct or delete inaccurate, incomplete, or unverifiable information within 30 days.

15 USC 1666 ( b ) : Creditors must provide periodic statements to consumers no later than 21 days before the payment due date.

Request for Investigation Details Pursuant to 15 USC 16811 ( 7 ), I am requesting a detailed description of the investigation process followed by your agency regarding this dispute. I expect to receive this within 15 days of your receipt of this letter. 
Request for Resolution I kindly request the following actions : Immediate correction of the payment history for the TD AUTO FIN account to reflect an accurate status of " Paid As Agreed Never Late. '' Removal of all inaccurate late payment notations from my credit report. 
A written description of the procedures used to verify the information and an explanation of how the errors occurred. 
If your investigation can not substantiate the late payments, prompt notification to the credit bureaus to update my reports accordingly. 
Additional References Truth in Lending Act ( 15 USC 1637 ) : Ensures that all terms and conditions of credit accounts are disclosed transparently.

Consumer Protection Act : Protects against unfair or deceptive practices in consumer transactions. 
I appreciate your prompt attention to this matter and expect a written response within the timeframe established by the FCRA. Please address this dispute with the seriousness it requires and ensure that my credit report accurately reflects my payment history. Failure to comply with the legal obligations may result in further action. 
Thank you for your time and cooperation. 
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