Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11179900

Complaint Overview

Complaint ID: 11179900

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Illinois

ZIP Code: 60445

Date Received: 2024-12-16T12:00:00-05:00

Date Sent to Company: 2024-12-16T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To : XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Subject : Request for Investigation and Deletion of Late Payments Dear XXXX XXXXXXXX, I am writing to formally dispute the late payment entries associated with my credit card account ( Account Number : XXXX ). The reporting of these late payments contains inaccuracies and fails to meet the standards required by federal law. I am requesting a thorough investigation into these entries and prompt correction of my credit file. Key Information for Review : Account Holder : XXXX XXXX XXXX Limit : {$1500.00} Balance ( as of XX/XX/year> ) : {$1600.00} Reported Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Truth in Lending Act ( 15 U.S. Code 1666b ), and Regulation Z ( 12 CFR 1026.13 ), I request your attention to the following : Verification of Reporting Accuracy : Payments reported as late must be verified for accuracy. Under 15 U.S. Code 1681 ( 2 ) ( Xi ), only accurate, complete, and verifiable information may be reported to credit bureaus. Billing Error Resolution Compliance : Payments may have been incorrectly classified as late due to errors in billing or reporting. As outlined in 12 CFR 1026.13, any billing error must be fully investigated before reporting late payments. XXXXruth in Lending Compliance : Payments received within the agreed-upon grace period must not be treated as late. Any late reporting in conflict with 15 U.S. Code 1666b constitutes a violation. Discrepancies Identified : Payment records do not align with the reported late payments. My last payment was made on XX/XX/year>, yet the account is inaccurately shown as 3090 days late in multiple months. The account shows a past-due balance of {$130.00}, which may have been caused by discrepancies in posting payments rather than a legitimate delinquency. Actions Requested : Conduct a complete investigation into the accuracy of the reported late payments. Provide documentation that verifies the legitimacy of the late payment reporting, including payment posting dates. Remove all incorrect late payment entries from my credit report. Confirm the results of your investigation in writing. Supporting Documentation Attached : Credit report highlighting the disputed entries Payment history records Correspondence or receipts related to payments I look forward to your response within 30 days, as required under federal law. If you are unable to provide sufficient evidence to validate the late payment reporting, I expect the information to be promptly removed from my credit report. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

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