Consumer complaint received 2025-10-27 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: MS

Complaint narrative:
# # Credit Bureau Dispute Letter ( FCRA 609/611 ) * * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX * * Experian * *XX/XX/XXXX* Equifax * *XX/XX/XXXX TransUnion * XX/XX/XXXXSubject : Formal Dispute of Inaccurate Credit Reporting under FCRA 609 and 611 * * Creditor Name : * * XXXX XXXX XXXX * * Account Number XX/XX/XXXX ( auto loan ) -- - Dear Credit Bureau Representative, I am writing to formally dispute the accuracy and completeness of information being reported on my credit report regarding my auto loan account with * XX/XX/XXXXThe details being reported differ across all three credit bureaus and contain serious errors that violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Below are the specific inaccuracies : 1. * * TransUnion * * is reporting the account as * Closed / Profit and Loss Write-Off * with a * * high balance of {$18000.00} * * and * * no late payments * *. 

* This reporting is misleading because the vehicle loan was * * paid in full * *, except for a minor administrative/title fee of approximately * * {$820.00} * *, which was later disputed. 
* Additionally, I have * * never received a 1099-C * * form indicating cancellation of any remaining balance, making the profit and loss write-off entry inaccurate and incomplete.

2. * * Experian * * and * * Equifax * * are reporting the same account as * Closed / Charged-Off * with balances around * * {$890.00} * *, showing * * XXXX and 4 late payments * *, respectively. 

* These late payment entries are inconsistent with my payment records. 
* The account was not delinquent at the time of payoff, and the differing late-payment histories can not all be accurate. 

These conflicting reports across bureaus demonstrate that the information being furnished by XXXX XXXX XXXX is * * not being reported accurately or uniformly * *, violating * * FCRA 1681s-2 ( a ) ( 1 ) ( A ) * *, which prohibits furnishers from reporting information they know or reasonably should know is inaccurate. 

I am requesting a * * complete reinvestigation * * of this account and removal or correction of all inaccurate information. Specifically, I request that : * The * * TransUnion * * report be corrected to reflect Paid in Full / Closed ( not profit and loss ). 
* The * * Experian * * and * * Equifax * * reports remove any * * inaccurate late payments * * and show the account as Paid / Closed. 

Please provide me with a written summary of your reinvestigation results, including the name and contact information of the furnisher who verified the data, as required under * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) * *.

I have enclosed the following documentation to assist in your investigation : * Copy of my drivers license and recent utility bill ( for identity verification ) * Copy of my loan payoff or payment record showing full payoff of the XXXX loan Thank you for your prompt attention. I expect your reinvestigation and correction to be completed within * * 30 days * * of receiving this letter, as required by law. 

Sincerely,XX/XX/XXXX

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