Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I leased my XXXX XXXX XXXX, XXXX : XXXX through XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. 
I have consistently made my payments each month since the lease began in XX/XX/XXXX. I received my end of lease instructions and made the decision to purchase my XXXX XXXX. I went in to the same XXXX dealership that I used to start the lease on XXXX XX/XX/XXXX. I logged into XXXX XXXX XXXX to get the payoff amount. I received loan approval through my bank, XXXX XXXX XXXX XXXX. The bank released the funds as I signed all documents at XXXX XXXX XXXX finance center and walked away owning the XXXX XXXX XXXX, XXXX : XXXX. 

On XXXX XX/XX/XXXX, I was notified via a credit report alert that I missed a payment over 30 days from XXXX XXXX XXXX XXXX Account Number : XXXX ). I called XXXX XXXX XXXX who said they had not received the payment. I called XXXX XXXX XXXX and they said the check they mailed off had been returned multiple times. I called XXXX XXXX XXXX multiple times to keep them updated of my conversations with XXXX XXXX XXXX. At the same time I already was making my payments on my auto load through XXXX. 

I completed my end of the transaction, making payment on XXXX XX/XX/XXXX for the payoff amount as instructed. I understand that XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX may have had some miscommunications but I asked that the missed payment be deleted from my credit report and that it reflect that I made my last payment on XXXX XX/XX/XXXX when my bank released the funds to XXXX. I further request that any late payment fees and penalties be removed from my account from after XXXX XX/XX/XXXX. 

I sent a letter to both Experian and XXXX XXXX XXXX. They both requested I get a letter from the dealership which I did. The Dealership letter and the sales contract both saying i met my financial liability should have been enough to correct my report but as of today my report is still not correct. It is reported that I didn't make a payment in XXXX, was 30 days late for XXXX and not closed until XXXX. I sent them both a letter again showing my regular payment of {$450.00} was made on XXXX XX/XX/XXXX and that I made my final payment of {$20000.00} on XXXX XX/XX/XXXX. I have sent letters and all the evidence to validate my case, provided everything they have asked for and my credit file is still not fixed. This is a gross violation of consumer rights for them to ignore all my requests when I paid everything as agreed and followed all of the protocols and instructions. I will attached everything I have submitted. 

Experian Credit Reporting Dispute XXXX. XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief