Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I had XXXX collection that were showing on my credit report as past due amounts. XXXX {$930.00} and XXXX {$960.00}. I contacted XXXX companies on XXXX/XXXX/15 and made a direct settlement ( debit card ) payment with them that was suppose to settle and close the accounts. XXXX these companies have been reporting throughout the month of XXXX incorrectly. Reporting me still in the charge off status making a payment plan.. I did not make a payment plan with these companies but a settlement and the accounts were suppose to reflect that and be closed. XXXX continues to tell me that even though they made a settlement with me, the amount unpaid {$370.00} will still show as a past due balance?? How is that when they agreed to settle and close the account as the attached letter states. XXXX is doing the same thing per say and refuses to update the credit bureaus appropriately for 30 days but has updated my file XXXX times with inaccurate information since my settlement, with the last update on XX/XX/XXXX. They shouldnt be able to update incorrect information. I did not make any payment plan with these companies as my report is showing. I made settlement and the accounts should reflect paid, closed with no past due amount owing. If they can not update this for 30 days then they should not update at all. Instead, my report is getting updated every week I believe with the wrong information which I feel makes my credit score worse. XXXX updated shortly after my payoff on XXXX/XXXX/15 showing a payment on a charge off?? and XXXX last reported XXXX/XXXX/15 showing a past due amount still owing, after I had just spent over 1 hour with them on the phone. I am in the middle of trying to purchase a home and these companies are so defiant that the lender cant even do a rescore with my payoff letters. I have multiple disputes filed with my documentation and for some reason the credit bureaus are not addressing my actual dispute instead they are verifying with XXXX and XXXX and just taking whatever they say, updating my report with more wrong information and then telling me they settled my dispute. Any assistance you can give me is appreciated. All this intentional harrassment is inappropriate and hurting me. I did my part as a consumer. They should not be able to operate like this. The credit bureaus are suppose to address my disputes as I submit it, not just get an update on the account and take whatever the creditor says. XXXX has the documentation in there hands and refuses to update appropriately. They have fixed XXXX since that conversation but still show XXXX with a past due balance. XXXX is showing XXXX with a past due balance and XXXX as a charge off with no balance. It should reflect, paid, closed, no past due balance. Experian addressed my dispute and shows XXXX with a {$930.00} charge off?? This account is settled/paid and closed. They show XXXX with a {$530.00} past due amount. {$960.00} charged off with a payment to the charge off in XX/XX/XXXX. That all has to hurt my credit score. None of that was in my dispute, I submitted my payoff letters and told them it should be settled/closed/paid. I am in the middle of trying to purchase a home and now I dont think Im going to be able to because of this intentional harrassment and mis reporting of my credit accounts. 

Thank you, XXXX XXXX XXXX XXXX # XXXX, cA XXXX