Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9077635
Complaint Overview
Complaint ID: 9077635
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: 60629
Date Received: 2024-05-22T12:00:00-05:00
Date Sent to Company: 2024-05-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to formally dispute the reporting of a late payment on my XXXXXXXX XXXX XXXX account, ending in XXXX which has been inaccurately recorded on my credit report on XX/XX/year>. Upon review of my account statements and payment history, XXXX Credit Card Agreement, and Consumer Law 15 U.S. Code 1666 I have identified an error that needs to be corrected promptly. Federal law mandates that late payments can not be reported to the three main credit bureaus until they are at least 30 days past due. My records indicate that the payment in question was not 30 days past the due date. Additionally, I did not incur any late fees or returned payment fees for this billing cycle, further supporting that my payment was within the acceptable timeframe. According to the XXXXXXXX XXXX XXXX Agreement, specifically under Section 4 titled " Penalty Fees, '' a late payment fee is only applicable if the Minimum Payment Due is not received by the Payment Due Date. As per my account, the Minimum Payment Due was satisfied within the required period, negating any grounds for late payment reporting. Given these facts, I am requesting that XXXX immediately investigate and correct this erroneous late payment record with the credit bureaus. A timely resolution is crucial, as this incorrect reporting adversely affects my credit score, which is critical during my ongoing process of purchasing a home. Please confirm receipt of this dispute and provide a written acknowledgment that the error will be corrected. Should you need any additional information or documentation, please contact me at your earliest convenience. I appreciate your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #9077635 about?
Complaint #9077635 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 2024-05-22T12:00:00-05:00.
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.