Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My original car lender was XXXX XXXX XXXX on a new car XXXX. This car was traded for another new vehicle with XXXX XXXX XXXX XX/XX/XXXX. I made several calls to XXXX  informing my orig car loan is in the process of being paid off by XXXX XXXX in TX, ph ( XXXX ) XXXX, in the XXXX from the docs {$17000.00} and as of XX/XX/XXXX, I was no longer in possession of this vehicle due to the trade towards a diff car. Advised, dealer states its on the way be patient due to the Holidays ( XXXX and XXXX XXXX ) which I stressed and wanted notation on account. 
XXXX XXXX  received and OR posted the payment which was for more {$17000.00} on XX/XX/XXXX, XXXX IN FULL in their system BUT XXXX  reported this account as late past due {$430.00} as of XX/XX/XXXX. I upload copies of my GLS online account which I believe was not used in the dispute investigation of the bureaus. I received, investigation completed, see results rather quickly and if you would like the dates I submitted and dates I received, your disputed is completedI will supply them. I verbal spoke to XXXX and the Expedited Manager XXXX at XXXX  XXXX  who BOTH on 5th verified account paid in full, check received and posted XX/XX/XXXX. I also asked if they would reconsider removing the negative item of past due since the account was paid in full but due to holidays it was paid and posted on XX/XX/XXXX. As well as I had been in contact with XXXX on status of receipt of check to payoff prior to posting. XXXX stated it was out of his hands, nothing he could do. Who is the NEW lender and was I trying to purchase a home? I answered the new lender is XXXX XXXX and yes I am in the process of homeownership. After answering both, XXXX still could not do anything so I really dont know but WHY ASKED in the 1st place! Regardless, I disputed all 3 credit bureaus with proof of payment posted to my XXXX  XXXX  account received and posted with statement reflect Acct # XXXX ( PAID OFF ) Maturity date XX/XX/XXXX and a copy of my online account reflect date of payment posted XX/XX/XXXXXXXX  {$17000.00}, Paid in Full. All 3 bureaus return investigation of dispute complete. All three XXXX, Experian and XXXX returned the dispute stating basically the same thing ; Investigation results-Verified AS reporting ACCURATE and UPDATED. 
My question would be how can you make a negative statement which is incorrectly reporting and contributing to a decreased score across all 3 bureaus as high of a drop of OVER 110 points and it shows I have 2 car loans which is incorrect as well and increase my debit ratio when the check has already posted BUT not reporting correctly to bureaus. I even received a letter from XXXX dated XX/XX/XXXXXXXX  re : car, model, year and VIN, notifying me that XXXX XXXX XXXX has provided the appropriate party with a release of interest document as required by state. If thats case how can they still be reporting a balance due with past due to all 3 bureaus and reflecting incorrect debt ratio as if I have 2 car loans? Im a SSDI recipient with one check monthly. I dont even make that much to pay 2 car loans on my own. 
Is this a retaliation method of not being able to get the full interest on the original car loan I used to trade? This is unacceptable and needs to be rectified immediately! 
This cant be Fair Credit Reporting, you think?