Consumer complaint received 2025-01-08 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, 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 late payments for the following account : Account Information : Account Name : XXXX Account Number : XXXX High Balance : {$220.00} Last Verified : XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$200.00} Creditor Remarks : XXXX XXXX Dispute resolved; customer disagrees, Experian : Subscriber reports dispute resolved - consumer disagrees, XXXX XXXX Consumer disputes after resolution Payment History Discrepancies : XXXX and Experian report a 30-day late payment for XX/XX/XXXX, and XXXX reports a 30-day late payment for XX/XX/XXXX. 
Nature of the Dispute : The reported late payments are inconsistent with my actual payment history. I have consistently paid this account on time, as reflected in my personal records. Despite disputing these inaccuracies on XX/XX/XXXX, the errors remain uncorrected. I request a reinvestigation of this account and that these late payments be removed immediately.

Under the provisions of : 15 USC 1681e ( b ) : Consumer reporting agencies are required to ensure the maximum possible accuracy of the information reported.

15 USC 1681c : Consumer reports must exclude information that is not accurate or complete.

15 USC 1681i ( a ) ( 5 ) : If information can not be verified, it must be promptly deleted.

Furthermore, I request the reasonable procedures under 15 USC 1666 ( b ) that were adopted to ensure that each periodic statement is mailed to me not later than 21 days before the payment due date, as required by law.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late. '' My credit report must accurately represent my financial responsibility and payment obligations.

Requested Action : If you are unable to verify the accuracy of these late payments, I demand that this account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Per the FCRA, I request that you : Provide documented proof supporting the claim of late payments on this account, including specific dates, amounts, and relevant communication.

Provide a description of the procedures used to investigate and verify this account.

Correct the inaccuracies if verifiable proof is not provided within 30 days, as stipulated by the FCRA.

Thank you for your understanding and prompt action. I look forward to receiving a resolution within the legal timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
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