Consumer complaint received 2022-05-31
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:
Credit Bureaus refuse to fully investigate erroneous information placed on credit file, despite me providing payment confirmation from creditor that is autognerated once payment received. The credit bureaus are not fully investigating instead they mark consumers files as customer dispute but still refuse to remove the erroneous info, because if they did they would have seen the proof of payment history and removed it. Millions of consumers probably face the same problems with credit bureaus as this is not the first nor 10th time I have provided proof and them refuse to update. 

XXXX payment attached I originally wrote all 3 credit bureau agencies with documented proof, and electronic payment evidence which also matched what they were reporting except XXXX showed {$0.00} as payment and I asked that by law they investigate the erroneous late payment that was reported against me for the month of XX/XX/XXXX. 

From the beginning of my loan my payment is due on the XXXX of every month. Per the records their response was that I was correct that I was not 30 days late on my car payment for XXXX, but instead of investigating and removing the erroneous late payment ; they returned with a status that I was late in XX/XX/XXXX despite making a payment on the XXXX of XXXX and providing proof for the last 6 months when I submitted the disupte. There is no way the bureaus diligently investigated and looked at the payments that I made and provided with documented proof, the same proof that matched what they had in their system, because it would have been obvious that I was not 30 days late making payment. My payment were due on the XXXX of the month which I was never 30 days late on my payment. They violated my rights as a consumer by failing to adequately investigate and look at the proof I provided which matched what you had in your system besides the error of them showing a XXXX payment of {$0.00}. Yet they were saying I was late in XXXX. 

In fact for years I have been writing them as I am entitled to by law, and they have refused to rightfully investigate despite me providing proof of their negligence and egregious reporting. 

I am thereby filing a legal complaint due to their fraud and negligence as a credit reporting agency. By law they are to ensure that consumers legal rights are protected and carried out ; and by the credit bureaus simply refusing to investigate and sending canned responses without doing what the law provides that they should do. 
How many consumers across the Nation has this affected? Possibly Millions When consumers write the credit bureaus for help with their credit file, inaccuracies being reported in violation of their rights, we expect a diligent effort and not a canned response without them actually investigating. Or them repeating the obvious ; that it was disputed but not removing the errors. Or them returning a canned response without re-looking into the issue or updates that have occurred. 

I expect the credit bureaus to fully investigate and review my credit file to ensure my rights are not being violated. 

And how dare XXXX try to fraudulently report me 30 days late in XXXX for a late that allegedly happened in XXXX. Then the credit bureaus turn around and say no it was XXXX ; despite me providing proof of payment from XX/XX/XXXX to the close of the loan in XX/XX/XXXX. 


Original complaint to bureaus : I was furious to learn that XXXX illegally reported a 30 day late under me when I have never paid my car note 30 days late. 
I went back to XXXX XXXX on XX/XX/XXXX to get a new car and XXXX approved me for financing on a new vehicle, however XXXX came back with more favorable terms so I decided to go with XXXX instead. 

XXXX was upset I did not trade my car into them, nor use them for financing so they fraudulently and illegally reported me as being 30 days late despite me never being 30 days late. When I ran my XXXX, XXXX and Experian report on XX/XX/XXXX it said my XXXX history was EXCEPTIONAL, and XXXX themselves offered to finance me again on another vehicle. So if I was late then why would they finance me for another vehicle. Also why would they wait 3 months to report it If I was late?! 

Thats because I was never 30 days late on my payment. If you look at the dates XXXX reported themselves as my pay dates, they align with my electronic payment history that is generated when I make payment ; showing that I was never 30 days late on my payment. I am asking you to remove this ASAP as I have never been 30 days late on my payment. XXXX is upset I did not trade my car into them, I did not use them for financing and I paid off my loan in full. 

Please remove this late ASAP

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