Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
I mailed a certified letter with a detailed dispute information to Experian on XX/XX/XXXX. Experian received my certified letter according to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX @ XXXX per USPS delivered notification confirming certified letter was delivered. In my dispute letter to Experian I disputed XXXX closed accounts that I paid in full to a XXXX balance {$0.00} on XX/XX/XXXX. 

Accounts : XXXX XXXX ( XXXX ) I paid {$650.00} to XXXX balance on XX/XX/XXXX. I also provided supportive PROOF by sending in a copy of a statement with proof of payment amount, payment date, balance, and account status Accounts : XXXX XXXX ( XXXX ) I paid {$2000.00} to XXXX balance on XX/XX/XXXX. I also provided supportive PROOF by sending in a copy of a statement with proof of payment amount, payment date, balance, and account status. 

On XX/XX/XXXX I received an email notification from Experian advising my dispute results were available, associated with report # XXXX. 

Despite of providing PROOF with my dispute that both accounts were paid in full to {$0.00} balance, Experian updated my report with INCORRECT account information related to Account XXXX XXXX. The updated wrong information showed a new balance of {$2000.00} ( which is actually a credit that XXXX owes me via a refund check ) not a balance owned. Please note the {$2000.00} updated " balance '' was higher than the {$2000.00} disputed balance owed. The details shows the report was updated XX/XX/XXXX, but no recent payment amount listed and no recent payment date listed. paid {$2000.00} to XXXX balance on XX/XX/XXXX. 

This is due to the fact I paid the balance in full on XX/XX/XXXX, but on XX/XX/XXXX I tentatively set up to have the balance transferred to a new credit card with XXXX interest for 15 month introduction period. While opening up the new account the phone agent advised I needed to wait until I received the new card in the mail, then the balance transfer transaction will occur. What happened is that XXXX accepted the balance transfer of {$2000.00}, while the account was already paid to zero balance. 

Despite of providing PROOF with my dispute that both accounts were paid in full to {$0.00} balance, Experian updated my report with INCORRECT account information related to Account XXXX XXXX The updated wrong information showed the same disputed balance of {$650.00}. The details showed the report was updated XX/XX/XXXX, with incorrect recent payment made on XX/XX/XXXX vs. correct recent payment made on XX/XX/XXXX, showed incorrect last payment amount {$100.00} vs. correct last payment amount of {$650.00}, with same wrong balance of {$650.00} vs. the correct balance {$0.00}. 

Please note both accounts were previously closed by XXXX in XX/XX/XXXX with balances.

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