Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Back in XXXX of this year our XXXX went so High that we were forced to look at a home mortgage and basicly I was in the market for buying a new home because our rent was so high. We found a place, but our realator essentially told us that there was no way to be approved for such a place because or credit scores were low and our XXXX to XXXX ratio was too high. After reviewing our report we found that the quickest way to lowering our XXXX was to eliminate at all costs the loan and the debt associated with our XXXX XXXX that we were XXXX down in somewhere around XXXX. After setting forth a plan, i sold my XXXX pickup and to pay half of the loan amount and then we sold the car to a local used car lot ) the debt was to be squashed. We executed the plan with precision, the car was paid off, but to my surprise my XXXX did not change after reviewing the different agenices information. Atleast that was according to the experian APP. I found it funny that Experian reports the XXXX diffferent agencies under its own app, but I can only assume that experian was " assuming '' what it thought was what the other credit agencies thought our debt and status actually was. In other words the Experian APP under the experian XXXX had the correct information, that the debt was paid, the account closed and the XXXX was adjusted. But what was surpisrising was that the Experian XXXX was misreporting Transunion and Equifax as having accounts open installment loans versus a closed car loan. I did pursue the issue by calling experian and the not so easy time consuming process of getting an agent to try and help us, but the experian representative was adamant that this was not an in house experian issue, but that I needed to file, yet again another dispute with XXXX XXXX to report the information back to the big XXXX agencies correctly. Its been 90 days since the car pay off, and XXXX disputes with XXXX  XXXX who say theyre insolvent, and reporting the correct data. I can only surmise that experian is failing to take responsibility for an inhouse issue and at the same time they fail to see the seriousness of " bearing false whitness '' of its competition to its clients. So attached is a couple of PDF.s that are screen shots from the app that experian continues to keep the same information. you can see that the experian scan shows account for the car loan as closed and the front page total debt at {$83000.00} Whereas under the Transunion tab shows a total debt of {$120000.00} but reports that the account is still open as an installment loan, and equifax tab is showing XXXX in total debt also showing the car loan as an installment loan thats open. Thus paying off this car has done absolutely nothing as far as the experian app is concerned, disheartening.

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