Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: TX
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 have Submitted several disputes with all three consumer reporting agencies to update the account " XXXX XXXX XXXX '' as paid for less then the amount owed with no late payments for both my husband and I as we co-signed for this car together. This has impacted our scores A great deal and we need this resolved!. I have NEVER been late on this account and settled the account for A less then the amount owed due to the motor going out in the vehicle so they offered A settlement since the vehicle could no longer be used.. However on my report I am showing several late payments listed. I submitted A dispute on XX/XX/XXXX for the reporting of the late payments. I received A email notification this morning that said the dispute was finalized and the account is still showing all the late payments as verified. As A result I have attached A copy of the paid in FULL letter I received dated XX/XX/XXXX. However, as you can see on XX/XX/XXXX the account shows a negative remark being late when I paid the account off in XXXX. So how did Experian, XXXX  or XXXX Verify this incorrect information? It is A violation of FCRA to report inaccurate information on ones consumer report. It is the consumer reporting agencies job to thoroughly investigate what these business are reporting. I paid this account as AGREED per the settlement on XX/XX/XXXX and received the PAID IN FULL LETTER XX/XX/XXXX. I have attached these documents along with the settlement letter that clearly states no payment was required until XX/XX/XXXX. Prior to this settlement letter I was sent another settlement letter In XXXX when the motor went out in the vehicle. That settlement gave me until XX/XX/XXXX to have the payment made in full. However I called them XX/XX/XXXX ( One day beofre the old settlement was going to expire ) and informed them I was awaiting A tax return that I would not receive until XX/XX/XXXX. I was informed they would rewrite the settlement giving me until XXXX and resend it. Which as you can see below I recieved the notice on XXXX and met the terms. So why have there been late payments reporting XXXX, XXXX, XXXX, XXXX, XXXX etc? When clearly I was under settlement guidelines and not required per their documentation to make A payment until the dead line. They have reported late payments for XXXX and XXXX when the account when those months where put at the end of the loan. This company is A scam! And is notorious for reporting inaccurate information. So why are all of these late payments not removed? My rights under the FCRA have been violated by all three consumer agencies and I want ALL late payments from this account removed IMMEDIETLY I have attached A copy of my drivers lic, along with my social security card matching my address as proof of identity. I would like these documents to be uploaded to all three credit reporting agencies system so that I do not need to send them again. How would I have late payment for XXXX and the account was paid in XXXX. This alone shows this company has been reporting incorrect information. And it also shows that neither consumer credit reporting agency accurately verified the reporting of such information as they claim they had when failing to update this account. My rights under the FCRA HAVE BEEN VIOLATED!!! I HAVE ATTACHED PROOF OF FINAL PAYMENT FOR THIS ACCOUNT BEING XX/XX/XXXX and the settlement letter advising I had until XX/XX/XXXX to make payment BUT THERE IS A LATE PAYMENT FOR XX/XX/XXXX. HOW!? THE ACCOUNT WAS FULLY PAID!! ALL OF THESE LATE PAYMENT REPORTED BY THIS COMPANY ARE INVALID. THIS IS ONE OF THE MANY INACCURATE REPORTING THIS COMPANY HAS DONE! YOU HAVE FAILED TO VALIDATE INFORMATION AND REMOVE INACCURATE REPORTING. REMOVE ALL LATE PAYMENTS FROM THIS ACCOUNT AND SHOULD BE UPDATED WITH NO LATES!

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