Consumer complaint received 2024-02-27
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. (ID)

I have disputed an account with XXXX XXXX XXXX several times, including XXXX ( XXXX ) and XXXX ( XXXX ). Experian claims there is nothing they can do to hold XXXX XXXX accountable for reporting information correctly, despite the proof that XXXX XXXX already agree to make an adjustment to my credit report and has not done so, as their incorrectly reported payment history is a result of their own error. For each dispute with XXXX XXXX, I have summited all of the information and proof required, and Experian is allowing XXXX XXXX to report incorrect information. 
With each dispute, here is what I have provided : XXXX. Background information and history of my account, stating that XXXX XXXX failed to process a card closure request AND payment in XX/XX/XXXX, AND failed to update my address so that I could receive final statements and communications at my address. 
XXXX XXXX charged an additional {$180.00} in fees after not closing the card and not processing my payment via cashier 's check mailed in XX/XX/XXXX, and then subsequently failed to send statements to my new updated address, so I was not aware the card was not closed OR that there was a balance due. This resulted in reported late payments and fees, and eventual charge off of {$180.00}, which was already too late to correct months later when I received the stack of mail from my old address, which included XXXX XXXX statements that they sent to my old address instead of my new address. XXXX XXXX was not responsive via mail, fax, or phone, and provided no means of communicating any other way. 
XXXX. I set very specific requirements in writing XXXX XXXX, as I believe the {$180.00} to be fraudulent. Nevertheless, I agreed to pay the {$180.00} ( as I had already tried to do multiple times in the prior 6 years ) in exchange for a FULL correction of my payment history to reflect the payment made in XXXX, XXXX. Here were the exact words I used in my communications with First Progress : XX/XX/XXXX - XXXX specifically stated I require that they remove ALL negative payment history on all 3 credit reports, as these PAID charges are fraudulently generated and dishonest. 
XX/XX/XXXX - I stated My requirements are simple. Update my credit report to accurately reflect an account that was closed PRIOR to XXXX, XXXX, with a balance due of {$0.00}, closed at the customer 's request. NOT charged off, NOT late, NO balance due. 
XX/XX/XXXX - I stated This payment will be made if and only if I receive an offer for a goodwill adjustment in exchange for a payment. I will not arrange payment AGAIN in the hopes that this account MAY qualify for a goodwill adjustment. My requirement is that you remove all negative payment history in exchange for the payment of {$180.00}. '' XXXX. XXXX XXXX RESPONSE- confirmed via XXXX portal. Please contact XXXX XXXX at XXXX or XXXX at XXXX to arrange to pay in full the balance. Once the payment post to the account, XXXX XXXX will process a goodwill adjustment request. 
XXXX. Proof of payment - Initiated payment via bank transfer XX/XX/XXXX. Payment received by XXXX XXXX XX/XX/XXXX, posted as confirmed online. 

FIRST PROGRESS ADJUSTMENTS : First Progress has continued to report late payments from XXXX to XX/XX/XXXX, which is in direct contradiction to what they already agreed to. NONE of these late payments should be reported as such. 
XXXX XXXX has also reported a CHARGE OFF status as of XX/XX/XXXX and XX/XX/XXXX, which is AFTER the payment of {$180.00} was made. 

BOTTOM LINE : Experian can see ALL of this information. They can see that XXXX XXXX agreed to make an adjustment to my reported credit history, and they can see why the adjustment is warranted, given that XXXX XXXX is at fault for not correctly reporting this information in XXXX. Instead of correcting the information, they have ignored all of the information provided and have allowed XXXX XXXX to continue to incorrectly report late payments. 
If XXXX XXXX can offer a goodwill adjustment for the payment, then they must be held responsible for that goodwill adjustment. If Experian bothered to even read any of the proof, they would come to the same conclusion I have, which is that my information is being incorrectly reported, and Experian is knowingly allowing this to happen.