Consumer complaint received 2024-11-20 00:00:00
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.
State: IL

Complaint narrative:
I was not in default since I had no missed payments. 

1. The XXXX 's payments, XX/XX/XXXX and XXXX, that were fraudulently reported as " {$0.00} paid in XXXX '' through the consumers payments system in XXXX, were made ( see my checking account statement, prima facie evidence ). 
2. There is no updated balance history update in XXXX as there should have been since I did make XXXX payments, so therefore you are relying on your own false records ( I have enclosed a copy of the payment history ). 
3. XXXX needed the false record for the Illinois consumer payment system since the Illinois state law of acceleration is " if XXXX or more installments are delinquent on any installment date over a XXXX XXXX period. '' Since my payments are bi-weekly the acceleration clause would not kick in until the XXXX missed payment. 
4. XX/XX/XXXX payment I did not fail to make the payment, XXXX failed to run my debit card that was onfile as per the contract and follow federal guidelines for payments. XXXX stated that my card was declined on the XXXX but has supplied no copy of the bank 's declined records ( which would have an error code ) as required by XXXX XXXX. XXXX also never ran the debit card a second time as covered in XXXX XXXX. This is extremely important since a payment is not failed until the second failed transaction. Therefore there was no failed transaction ( I have attached my checking account statement which proves that there is adequate funding for the XX/XX/XXXX payment and the transaction statement which shows no valid attempt at a debit for the payment on the XXXX or days after ). 
5. XXXX then stated in a comment through the CFPB that the car was repo due to the XX/XX/XXXX payment not being made. There was no payment due XX/XX/XXXX, The next payment was due XX/XX/XXXX not XX/XX/XXXX. These are bi-weekly payments ( I have enclosed a copy of the payment schedule and the contract covering payments ). The car was first reported as being repo XX/XX/XXXX then was reported being repo XX/XX/XXXX. Either way still not meeting state law for acceleration. The contract also covers a late fee, a fee that can only be added at XXXX XXXX or more. So, even on XX/XX/XXXX XXXX could not legally apply a late fee for a late payment more or less a lawful repossession. 

I am requesting that 1. All credit bureaus delete any XXXX account # XXXX, this account is reported under several variations of names due to incorrect and incomplete credit history. 
2. XXXX you have adequate information to prove this dispute. Please have the franchise holder contract me for a settlement. If not resolved quickly attorney fees will be added as state law allows. 
3. It is a violation for the furnisher and/or the credit bureau agency to continue to report this account as it is being reported as a charge-off. I was never in default, have no late payments for a repossession to have occurred, and therefore can not have contributed to the charge-off. 
4. The CFPB takes correct actions against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX which are both licensed under XXXX XXXX. 
5. Any non compliance will be considered willful and future violations will be asserted.

6. XXXX has reported this account under several different names and different variations of the account number. This is why the reinvestigation system under 611 did not detect it. 
( a ) XXXX has already deleted this account for inaccuracies/fraud, ( b ) XXXX has XXXX the " repo '' status for XX/XX/XXXX as " current '' and the " charge-off '' to " ND '' in XX/XX/XXXX but then reasserted the charge-off months later. XXXX has also deleted the months from XX/XX/XXXX til XX/XX/XXXX. Erasing the payment history and balance history and also hurting my credit further due to erasing the on-time payment history I had. 
( c ) Experian has done not one thing. They have only handed over this dispute to the creditor then reported it as " verified as accurate. '' They have never done a proper investigation, even looked at the documents I have submitted, nothing. This account is also incomplete as it is reporting the first journal entry for after the repo. 

So ironic that all XXXX credit bureaus have come up with different dispute results but all XXXX had the same information. And the XXXX remaining, XXXX and Experian both have come back as " verified as accurate '' but different results. 

Please delete this XXXX account ASAP from my credit report to prevent future harm as I am being denied housing and line of credit due to this inaccuracy.

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