Consumer complaint received 2019-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I financed a vehicle with The XXXX XXXX XXXX XXXX, terms 75 months. XX/XX/XXXX, I received a congratulations letter advising me that in 90 days from this date my loan will reach maturity, and to please accept that letter as a notice of important lean ending information. 90 days from XX/XX/XXXX would be XX/XX/XXXX. I paid my payments, received my title, and assumed all was well. 

In XX/XX/XXXX I learned my Identity had been stolen, I began the process of rectifying this. In review of my credit reports, I came to realize that The XXXX XXXX XXXX XXXX ( XXXX XXXX ) had reported 30 & 60 days past due for XX/XX/XXXX& XX/XX/XXXX, but I paid my loan of in XX/XX/XXXX, as per all my statements and my congratulations letter! 
I immediately filed a dispute with the credit bureaus & contacted XXXX. 
On XX/XX/XXXX at XXXX, I spoke to Customer Service Supervisor, XXXX XXXX who advised me to send him an email with my payoff letter, and a copy of my credit report to show how it is being reported, as it was not that way on his end. ( I paid the car off in XX/XX/XXXX, a year prior to this conversation ) On XX/XX/XXXX, XXXX, Mr. XXXX responded via email, advising me he would be reversing the credit Hit for XX/XX/XXXX & XX/XX/XXXX, and to allow two credit cycles for the change to take effect. As of this date, the only other month that was reporting 30 days past due was XX/XX/XXXX, which is legit. During the life of the loan I hit 1 hardship, and requested the XX/XX/XXXX payment be placed in the rears, I paid the interest only. I have attached a copy of my credit report before the dispute & after the dispute. 
On XX/XX/XXXX, I received a notice from Experian that my credit score decreased due to XXXX   reporting. XXXX XXXX did correct there reporting error for XXXX & XXXX of XXXX, but for whatever reason added 5 NEW 30 days past due. This is absolutely false, and I have been battling XXXX & the Credit Bureaus since. I reached out to Mr. XXXX via email to ask why he did this, and he claims he did not, he requested I send him a copy of my report again, stating Not sure what could have happened. 
I have sent countless disputes, & letters to XXXX & the credit Bureaus, providing copies of how it was reported before I did the dispute & after, but nothing ever changes. 
THIS IS JUST A LIE, I would have been better off not disputing the pay off. 
I satisfied my loan in XX/XX/XXXX, just as I was supposed to. XXXX reported incorrectly in the end. It took me 1 year to realize the error, and requested this reporting error be corrected in XX/XX/XXXX, 1 year after loan was closed. 
XXXX corrected their XX/XX/XXXX error, in XX/XX/XXXX. However, they decided to falsely report " new '' late payments from XX/XX/XXXX & XX/XX/XXXX, THAT WERE NEVER REPORTED BEFORE. This is really hurting my credit, & enabling me to get credit extended for my new business.

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