Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11585451
Complaint Overview
Complaint ID: 11585451
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: Was not notified of investigation status or results
State: Florida
ZIP Code: 32825
Date Received: 2025-01-16T12:00:00-05:00
Date Sent to Company: 2025-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Subject : Request for Investigation and Description of Investigation Process Disputed Account on My Credit Report ( XXXX XXXX ) Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed XXXX XXXX account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Upon reviewing my credit report, I identified discrepancies regarding late payment entries for this account that are inaccurate. Specifically : XXXX : Reports 6 late payments between XXXX and XX/XX/XXXX ; however, not all these payments are visible in the credit report. Experian : Reports 10 late payments between XXXX and XX/XX/XXXX ; however, the report does not show all these late entries. XXXX : Reports 5 late payments between XXXX and XX/XX/XXXX ; yet, several of these payments are not clearly documented in the report. Account Details : Account Number : XXXX High Balance : {$400.00} ( XXXX and Experian ), {$300.00} ( XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX XXXX Balance Owed : {$0.00} Payment Status : Current Account Status : Open Creditor Remarks : XXXX XXXX " Dispute resolved; reported by grantor. '' Experian : " Account was in dispute- now resolved - reported by subscriber. '' XXXX : " Account previously in dispute- now resolved by data furnisher. '' Basis for Dispute : To the best of my knowledge and records, I have consistently paid this account on time in accordance with the agreed-upon terms. The reported late payments are inconsistent with my actual payment history, and several of the payments listed by your bureaus do not appear in the credit report, which raises concerns about accuracy and completeness in reporting. Under the terms of my agreement with XXXX XXXX, all payments were made on time and in full. As such, the account should accurately reflect a status of Paid As Agreed Never Late. The inaccurate reporting of late payments undermines the integrity of my credit report and misrepresents my financial responsibility. Request for Resolution : Correction of Errors : Update the account to reflect its accurate status of Paid As Agreed Never Late. Documentation : Provide documented proof supporting the claim of late payments on this account, including specific dates, amounts, and any relevant communication. Investigation Procedure : Provide a detailed description of the investigation procedure used to verify these late payments, per 15 USC 1681i. Supporting Evidence : I have attached a copy of my credit report highlighting the discrepancies and inconsistencies for your review. Legal Obligations : As mandated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report must not include inaccurate information. Additionally, reasonable procedures, as required under 15 USC 1666 ( b ), should have been in place to ensure timely mailing of statements and accuracy in reporting. Failure to address these inaccuracies in a timely and thorough manner constitutes a violation of the FCRA. If your investigation can not verify the reported late payments, I demand the account be updated promptly to reflect accurate reporting with the status Paid As Agreed Never Late. I appreciate your prompt attention to this matter and expect a resolution within 30 days of receipt of this letter, as required by law. Please confirm receipt of this dispute and provide updates on the investigation. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11585451 about?
Complaint #11585451 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-16T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.