Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Attorney General Office CC : The Office of the Commissioner of Financial Regulation This letter is to inform XXXX XXXX XXXX that I am filing a formal complaint to you regarding the inaccurate information listed with Experian, XXXX, and XXXX I'd like to resolve this improbable matter without further justification between Myself and XXXX XXXX XXXX. I called to pay my car note on XX/XX/2021 I spoke with a representative, and she said that I had a balance of {$1900.00} due immediately I questioned, what is this balance about? She said it was for a deferred payment arrangement. I asked her if I could continue paying my regular payment each month until the balance was {$0.00} I can't settle the balance at once. The representative stated to me that she would get this agreement authorized due to my payment history on the account she did not see any reason why this should be a problem she would send me a confirmation email regarding our conversation. I confirmed with her the email XXXX. The following month I called in again to pay my car note and was told that I had to pay {$1800.00} due immediately I then stated that I spoke with someone last month, and she authorized me to continue paying my regular note, and she was going to email me confirming our agreement I never received the email. I wanted to continue to pay monthly this was more convenient for me. The representative then stated that I would need to sign a form to set the agreement to be valid I confirmed my email with her at XXXX and told her to stay on the phone with me, and she said it would take XXXX hours to receive the form I made a note to look for this form within XXXX hours which would have been on a Wednesday. I never received the form. I called back after Wednesday and spoke with a representative and told her that I never received the email she said that she would take care of this for me, and she confirmed the email XXXX. I never received the email now we are well into XXXX I called in and paid my car note each month I spoke to someone every time I paid, and they said they were going to send me the form I verified my email each time XXXX and continued to pay my car note each month until the last balance was {$760.00} on XXXX I paid the last of the balance and was told that I would receive my title in 30 days. Not only that, but I then went onto my credit reports and have been working on all XXXX at least 2 days out of the week and there was not any charge off bad debt. However, on XXXX, I received a notification from XXXX Experian that XXXX XXXX XXXX  flagged my account with a bad debt charge off. After I repeatedly called and spoke with several representatives, it was noted in your system. I even let go of the fact that you stated I was late in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX even after I continued to call and follow up with numerous representatives in your office every month when payment was submitted to you. I also had another account with you, and you reported that one is in good standing, I am not understanding why you would report false information on this account. However, Once I received a notification I was livid and emotionally upset, and drained with XXXX XXXX XXXX I called in and spoke to a representative on XXXX I was very broken and nervously tearful I explained to her everything I stated in this letter, and she told me that they were not going to remove this from my report, and she kept placing me on hold. I finally said you know what I think I will get legal help and take my actions further she then placed me on hold again and transferred me to XXXX who stated she was a Manager ext XXXX she read back the not