Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ABSOLUTELY INCOMPETENT, FRAUDULENT, CORRUPT AND A SERIES OF GENUISES HIRED BY THESE COMPANIES WHO HAVE NOT GRADUATED BASIC MATH AND KNOW HOW TO USE COMMON SENSE Employees have taken too many long walks off of short piers not the brightest, smartest and or any use of reading capacity and or XXXX XXXX to understand basic common sense, math and reality. 

REFUSE to view ANY INFO in months 120 days and NO UPDATES/ CHANGES/ ETC- not the sharpest tools in the shed Common Sense Request : Please Review and Correct My Account ( XXXX XXXX Credit Card ) Across All Three Credit Bureaus Immediately I am asking for a simple, fair, and common-sense resolution : Have a real human review the facts and simple math, which clearly show this is the ONLY negative item on my ENTIRE credit report, for which it is fully paid off. Yet, every dispute or request only makes my credit report worse by the dayeven as of today, XX/XX/XXXX, XXXXwith constant abuse and intentional harm. I paid my XXXX XXXX account in full and brought the balance to {$0.00} with consecutive payments. I asked for this to be updated and reflected accurately on my credit reports. Instead : XXXX XXXX and the credit bureaus continue to show me as XXXX days late, claim debt is still owed and written off after it was paid, and trigger new late payment marks every week or montheven in Augustdropping my credit score by nearly XXXX XXXX They report my last payment as almost XXXX years ago, which is simply not true. What I am requesting is basic : Immediately update my credit file to show the account as paid in full, {$0.00} balance, and closed. Remove all late payments, charge-offs, or negative marks that occurred after the date I brought the account current and paid it off. Stop adding new late payment marks or reporting ongoing delinquency for an account that has no debt and is closed. This is not just common senseits the law and simple fairness. I am not asking for anything unreasonable. I am just asking for my credit to reflect reality : I paid my debt, brought my balance to XXXX, and have no missed or late payments. I need this corrected immediately to stop further damage. 




What would be a fair resolution to this issue? 
Common Sense Request : Please Review and Correct My Account ( XXXX  XXXX Credit Card ) Across All Three Credit Bureaus Immediately I am asking for a simple, fair, and common-sense resolution : Have a real human review the facts and simple math, which clearly show this is the ONLY negative item on my ENTIRE credit report, for which it is fully paid off. Yet, every dispute or request only makes my credit report worse by the dayeven as of today, XX/XX/XXXX, XXXX constant abuse and intentional harm. I paid my XXXX XXXX account in full and brought the balance to {$0.00} with consecutive payments. I asked for this to be updated and reflected accurately on my credit reports. Instead : XXXX XXXX and the credit bureaus continue to show me as XXXX days late, claim debt is still owed and written off after it was paid, and trigger new late payment marks every week or montheven in XXXXdropping my credit score by nearly XXXX points. They report my last payment as almost XXXX years ago, which is simply not true. What I am requesting is basic : Immediately update my credit file to show the account as paid in full, {$0.00} balance, and closed. Remove all late payments, charge-offs, or negative marks that occurred after the date I brought the account current and paid it off. Stop adding new late payment marks or reporting ongoing delinquency for an account that has no debt and is closed. This is not just common senseits the law and simple fairness. I am not asking for anything unreasonable. I am just asking for my credit to reflect reality : I paid my debt, brought my balance to XXXX, and have no missed or late payments. I need this corrected immediately to stop further damage.

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