Consumer complaint received 2024-11-29 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 : Second Dispute Regarding Inaccurate Late Payments XXXX XXXX  Account Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account 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 consumers dispute. 
Upon reviewing my credit report, I identified an error in the reporting of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This account inaccurately shows late payments, specifically : XXXX : XX/XX/XXXX and XX/XX/XXXX Experian and XXXX : XX/XX/XXXX and XX/XX/XXXX My records indicate that all payments for this account were made on time, and the reported late payments are erroneous. 
Attached to this letter, I have provided copies of my credit report in question for reference. The discrepancies outlined are as follows : 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 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 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 
These discrepancies do not align with my actual payment history. Attached are bank statements and confirmation of payments made on time for the disputed periods, demonstrating the inaccuracy of the reported late payments. 
Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX XXXX  have always been adhered to, and this account should accurately reflect a status of " Paid As Agreed Never Late. '' Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain information solely as to transactions or experiences between the consumer and the reporting entity. 
Request for Investigation Procedures : I kindly request the following as part of your response : A detailed description of the procedure used to investigate and verify the disputed account, in compliance with FCRA 15 USC 1681i ( a ) ( 7 ).

Proof of reasonable procedures per 15 USC 1666 ( b ) that periodic statements were mailed to me at least 21 days before the payment due dates.

Documented evidence supporting the late payments reported, including specific dates, amounts, and communication indicating delinquency.

If you can not validate the reported late payments, I demand that this account be updated to reflect its correct status as " Paid As Agreed Never Late. '' As stipulated under the FCRA, I expect a thorough and prompt investigation and a written response within 30 days of receipt of this letter. Failure to comply will be considered a violation of the FCRA. 
Thank you for your immediate attention to this matter. I look forward to receiving a resolution that accurately reflects my payment history. 
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