Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I was notified that my FICO score had suddenly dropped nearly 100 points. As a responsible consumer with impeccable credit, I immediately requested my credit reports from all 3 credit bureaus. I discovered that XXXX XXXX had reported a 60-day delinquency for XX/XX/XXXX and XX/XX/XXXX on the lease turn-in ( final balance of {$1500.00} ) of my former vehicle ( a 2016 XXXX ). This balance was completely unknown to me, as I turned it in on XX/XX/XXXX ( while leasing a new 2018 XXXX ) with the understanding from the salesman that he had figured the remaining balance of the 2016 to be rolled in to the new vehicle payment. In my new vehicle, I drove away from the dealership with the understanding that the lease turn-in of the 2016 XXXX was completely settled. The salesman ( or the financing dept at the dealership ) never told me to personally contact XXXX XXXX about anything whatsoever. The salesman obviously did not roll the remaining balance in to the new car payment. 

When XXXX XXXX sent a final bill ( of {$1500.00} ), one final bill was sent to an old address on the account. As a result, I have never received the final bill to this day. However, the statements for my new 2018 XXXX were indeed ( and still are ) coming to my current address that they do have on file at XXXX XXXX. 

I did pay the remaining balance of {$1500.00} immediately over the phone to XXXX XXXX on XX/XX/XXXX. Although XXXX XXXX made an error in mailing the final bill to the wrong address, they REFUSE to remove the FALSE 60-day delinquency that is still showing on my credit reports with Experian and XXXX. I filed complaints with all 3 credit bureaus in XX/XX/XXXX. XXXX is the only bureau that corrected the problem and removed the 60-day delinquency for me. 

I have made endless calls to XXXX XXXX on this matter and I have filed several complaints with Experian and XXXX. Yet they refuse to remove the false 60-day delinquency showing for XX/XX/XXXX and XX/XX/XXXX. They only " Updated '' it as paid off as of XX/XX/XXXX. 
This is not acceptable as it is easy to see that I have had impeccable credit for all of my credit history of over 20 years. XXXX XXXX claims that I should have called them when I turned-in the 2016 XXXX. How would I know to call them, when I had every confidence that the entire transaction was being handled by my salesman and dealership? The salesman ( or the dealership financing department ) never told me to call XXXX XXXX about anything. Additionally, my billing statements for my new 2018 XXXX were coming to my current address. So why did they send one final bill of {$1500.00} to an OLD address? I have never received it and I did not know to expect it. 
XXXX XXXX is falsely characterizing me as a negligent consumer by refusing to remove the 60-day false delinquency from my credit report. Whereas, I am nothing but a responsible consumer.

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