Consumer complaint received 2024-11-01 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/scrub>XXXX Subject : Request for Description of Investigation Process - Disputed Accounts Against Experian on my Credit Report To Whom It May Concern : I am writing to formally request a comprehensive review and correction of the reported late payments on my account with XXXX XXXX, Account # XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 16811 ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. Despite my previous disputes, submitted most recently on XXXX there has been no change in the reporting of these inaccuracies. 
Upon reviewing my credit report, I noticed discrepancies that continue to inaccurately report a late payment of 30 days, specifically in XXXX. According to my records, I have consistently paid this account on time, and no late payments were made as documented. This account should accurately reflect an on-time payment history. I have attached a copy of my credit report for reference, highlighting these specific discrepancies. 
Discrepancies in Payment History : XXXX : XXXX late reported inaccurately for XXXX Experian : XXXX late reported inaccurately for XXXX XXXX : No late XXXX reported ( accurate ) Despite my dispute submitted on XX/XX/scrub>XXXX the status of this account remains unchanged. This ongoing inaccuracy appears to violate the FCRA 's mandate for complete and accurate reporting of consumer information. Additionally, per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not include incorrect information about transactions between the consumer and the reporting agency.

Request for Investigation Documentation : To comply with 15 USC 1666 ( b ), I am requesting : Documentation of your investigation procedures, detailing the steps taken to verify my accounts status and payment history.

Verification of procedures for timely statement mailing, ensuring periodic statements are dispatched no later than 21 days before due dates, as per Title 15 USC 1666 ( b ). 
Details of compliance with section 1637 ( b ) of Title 15, to understand how these late payments were validated.

I request that you immediately investigate this account and confirm accurate, on-time payment reporting. If a correction can not be made, please provide all supporting documentation justifying the continued reporting of these inaccurate late payments.

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 '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA.

Thank you for your prompt attention to this matter. I look forward to resolving this issue and receiving a response within the legally established timeframe under the Truth in Lending Act, the Consumer Protection Act, and the FCRA. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of the credit report with highlighted discrepancies.

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