Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: LA
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 am seeking assistance in the matter of a dispute between all major bureaus and a XXXX XXXX XXXX XXXX XXXXXXXX XXXX payments were sent to XXXX XXXX in the XXXX of XX/XX/XXXX these payments were sent to cover my XXXX installment payments on an auto loan. Not only did they receive and confirm receipt of these XXXX payments in XXXX, but a payment large enough to cover XXXX XXXX were also made in the month of XX/XX/XXXX. 
NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. 
This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported XXXX XXXX late on XX/XX/XXXX after filing my initial dispute they updated the reporting to XXXX XXXX, Well this is still incorrect so I initiated another dispute with all XXXX bureaus each time the lender has creatively updating my file but never removed or correcting the XXXX XXXX late XXXX notice it showed updated but nothing changed, XXXX noticed the XXXX was changed to XXXX XXXX, Experian was up dated added how much I paid on my loan each XXXX because I always pay more than my amount due. A XXXX dispute was requested now Experian is refusing to reinvestigate. I have sent supporting documents showing this is their error. 

Recently they updated my credit report adding a late payment for XX/XX/XXXX XXXX in XXXX causing my fico score to drop further. My account and credit file clearly state for the year XXXX, I made XXXX on-time payments another error. 
Experian, XXXX XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. 
The terms of my installment loan grants a XXXX grace period therefore I have until the XXXXXXXX XXXX of the following XXXX to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX This lender is the XXXX XXXX XXXX here I am the victim, the victim of XXXX XXXX. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. 

The terms of my installment loan grants a XXXX grace period therefore I have until the XXXX XXXX of the following XXXX to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is XXXX, not 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 explanation