Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9609340
Complaint Overview
Complaint ID: 9609340
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: Florida
ZIP Code: 32073
Date Received: 2024-07-24T12:00:00-05:00
Date Sent to Company: 2024-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear EXPERIAN, XXXX, XXXX, & XXXX I am writing to formally dispute inaccurate information that has been reported on my credit report. This dispute is made pursuant to 15 U.S. Code 1666b regarding the timing of payments and the requirement for creditors and reporting agencies to exercise due diligence prior to reporting. CFNA ( XXXX XXXX ) Account Number : Ending XXXX Date of Dispute : XXXX of 2023 Late Payment According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, under 15 U.S. Code 16 66, creditors are required to conduct a thorough investigation and correct any billing errors within a specified timeframe. The information reported on my credit report does not reflect these legal requirements, and I believe it to be inaccurate. I request that you Investigate the disputed information. Correct any inaccuracies found. Provide me with written confirmation of the corrections made. Please consider this letter as my formal dispute and acknowledgment of my rights under the Fair Credit Billing Act. I expect a response within the legally required timeframe. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9609340 about?
Complaint #9609340 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 2024-07-24T12:00:00-05:00.
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.