Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My ex-husband and I took out a loan for a vehicle in XXXX that was in both of our names from XXXX XXXX XXXX XXXX ( now known as XXXX XXXX XXXX XXXX ). We divorced in XXXX, and the judge awarded the vehicle to my ex-husband, and made him responsible for all remaining financial responsibility. In XXXX or XXXX of XXXX, my ex-husband voluntarily surrendered the vehicle. 

After the vehicle was surrendered, XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXX ) sold the vehicle. On XX/XX/XXXX, XXXX XXXX adjusted the amount owed on the loan to reflect the repo sale proceeds bringing amount owed to {$15000.00}. They applied the LAST PAYMENT EVER MADE on this account on XX/XX/XXXX, in the amount of {$340.00}, bringing the outstanding debt to {$15000.00}. 

Since that last payment, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX is reporting the account as current and has falsely reported numerous payments on this debt as recently as XX/XX/XXXX. I filed a dispute with Experian in XX/XX/XXXX, which they forwarded to XXXX XXXX XXXX XXXX, and there was no resolution. I proceeded to contact XXXX XXXX XXXX XXXX directly on XX/XX/XXXX, to ask about the falsely reported payments, and spoke to XXXX XXXX, Member Share Administrator. I asked her what her records showed as the last payment received on the account, and she said XX/XX/XXXX. That being the case, I asked her why they had reported numerous payments on the account that are being reflected in my credit report, when in reality, this should have already fallen off my credit report, as it is has been over 8 years since a payment was made. She said they had not reported any payments since XX/XX/XXXX, and pushed it back on the credit bureau saying it was their fault, and it could stay on my credit report for up to 10 years. I asked her to provide me with a current statement showing the balance owed, which she sent via email ( please find attached to this complaint ), and the current balance is {$15000.00}. I responded to the email asking her to also provide me with a payment history, but she has yet to respond to that request. I called and left her a voicemail, which she has not returned. I called back and asked to speak with someone that could help me with this request, and was told " they need to get their ducks in a row before someone could call me back to discuss this request. '' Something is very wrong with this situation. XXXX XXXX XXXX XXXX is falsely reporting to the credit bureau ( s ), and I need help getting this resolved. The debt is not currently showing on my TransUnion or Equifax reports, but is showing on the Experian report. The debt showing on my credit report is the exact amount that has been owed since XXXX, so it is not possible that any other payments have been made on this account - simple math proves that. 

This account that is over 8 years old, with no payments made, and should have fallen off of my credit report by now. Please help me get this information corrected. Thank you for your help with this matter. 

XXXX XXXX XXXX ( formerly XXXX XXXX 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