Consumer complaint received 2024-06-28
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. (MA)

I am writing to dispute an issue on my credit report regarding a {$120.00} tax payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been continuously updating both Experian and XXXX XXXX regarding this matter. 

On XX/XX/XXXX, I was contacted by phone by XXXX XXXX. During this call, they informed me that they had received a tax bill from thXXXX XXXX XXXX XXXX Below are the detailed facts regarding this matter : 1. This call was the first and only communication I received from XXXX XXXX about this issue. There was no prior notification or correspondence about this tax bill. 
2. During the call, we discussed the matter in detail. I informed the representative that I no longer had possession of the vehicle for several months and that I never resided in or garaged the vehicle in XXXX. 
3. The representative did not provide any additional information regarding the tax bill, such as the specific dates for which the tax was billed. Upon discussing these points, the representative and I agreed that there was insufficient information provided to justify paying the bill. 
4. The XXXX XXXX representative assured me that I should not worry about the tax bill and that they would handle the matter with the XXXX XXXX XXXX 

Given that I no longer possessed the vehicle and never garaged it in XXXX, I felt justified in questioning the bill. The lack of detailed information and the assurance from the representative led me to believe that the issue was being resolved. 

However, on XX/XX/XXXX, I received a credit alert that XXXX XXXX had reported the payment as late, which directly contradicted the representatives assurance on XX/XX/XXXX. 

I immediately contacted XXXX XXXX on XX/XX/XXXX for clarification. Instead of resolving the matter with the XXXX of XXXX as initially indicated, XXXX XXXX had conducted an internal review and decided that I was responsible for the tax bill and reported the late payment to Experian. This decision was made without my knowledge or further communication. 

I received additional information on this second call that was not given to me previously. The tax bill was for all of XXXX and I only possessed the vehicle for the first two months of XXXX. I paid the entire bill immediately to resolve the matter, was told that I would receive a refund for the overage payment that I made. The amount I owed was {$20.00} but paid the full {$120.00}. I am expected a refund of {$100.00}. 

Regarding the late payment reported to my credit report, I was told to dispute it on my credit report and that it would be removed. I disputed it on my credit report, and it was NOT removed. 

The lack of communication and the reporting of a late payment for a tax bill, which I was assured was being resolved, has adversely affected my credit report. I became aware of this discrepancy only when I noticed the impact on my credit score. 

I request that XXXX XXXX immediately correct this error and remove the late payment from my credit report. The misinformation and lack of communication have led to an unjust negative mark on my credit history, which needs to be rectified promptly. 

Thank you for your attention to this matter.