Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN, XXXX AND XXXX have REPEATEDLY and FALSELY REPORTED INACCURACIES ON MY CREDIT FILE for unquantifiable, unverifiable amount. THIS IS FRAUD AND AGAINST THE FAIR CREDIT REPORTING ACT Account Number XXXX The Status of Limitation on this account has expired. The Balance is INCORRECT. The Account IS NOT DELINQUENT because there is NO LOAN AND THERE IS NO CAR. My Insurance company XXXX paid OFF THE BALANCE in XX/XX/XXXX after my accident ACCOUNT WAS PAID OFF in XX/XX/XXXX and I PAID ANOTHER {$1900.00} AGAIN on XX/XX/XXXX yet Experian, XXXX and XXXX continue to FALSELY REPORT THIS ACCOUNT AS DELINQUENT. THIS IS BOGUS and FRAUD!!!! 

I am requesting an Investigation to a XXXX XXXX XXXX for DEROGATORY information they have placed on my Credit Reports for 4 consecutive years. I bought a XXXX XXXX in XXXX, paid the car for 3 years in the amount of {$440.00} and in XXXX, I had a accident and the car was Totaled by XXXX XXXX. The Insurance PAID XXXX XXXX the balance owed in the amount in excess of {$7600.00} and closed the file. 

I received a call from a Representative of XXXX XXXX who said the Balance was paid off and GAP Insurance covered any residual balances. 8 months into the year, as I was checking my Credit File, I noticed a {$2400.00} balance reported on my Credit Files by Credit Acceptance ... .I called and ask what the balance was for, the Represented said it was residual balance from that XXXX XXXX and it could be settled. I told them XXXX and GAP PAID OFF the car as they - XXXX XXXX XXXX confirmed it in XX/XX/XXXX. While I continue to keep an eye on my Credit File, one Blessed Day I generated my Credit Reports and noticed the Balance Owed had climbed from {$2500.00} to {$9900.00} without any notice or supporting documentation from XXXX XXXX quantifying the balance ... .No Statement, No Reports, Nothing. They have been reporting this BOGUS Balance since XXXX as LATE PAYMENT FOR A CAR I DON'T HAVE. I have repeatedly asked XXXX XXXX XXXX if the {$9900.00} was interest, NO ONE from this Company can explain to me .... I reached out the California Attorney General 's Office and reported this matter, and they reached out to the Attorneys at XXXX XXXX XXXX. One of the Attorneys agreed on a Settlement Amount of XXXX for me to pay, which I did on XX/XX/XXXX via my Debit Card. As of XX/XX/XXXX EVEN AFTER THE {$1900.00} PAYMENT, XXXX XXXX IS STILL REPORTING my Account as LATE in the amount of {$9900.00} I want XXXX XXXX to DELETE ALL 60 months of DEROGATORY Reporting from Credit Reports going back to XX/XX/XXXX to date i.e. XX/XX/XXXX. MY FICO SCORES have been damaged PERMANENTLY because of XXXX XXXX. They have continuously reported INCORRECT BALANCE which can not be quantified or verified Please help me resolve with this Company which has a reputation to RUIN LIVES and CONSUMER FILES ... ..THEY HAVE BEEN SUED by several Attorney Generals including Massachusetts because of BAD BUSINESS PRACTICES just as I'm facing today Thank you ATTACHMENTS XXXX XXXX FINAL PAYMENT {$1900.00} Acct # XXXX ( XXXX KB ) XXXX XXXX XXXX to their Attorney and XXXX, their XXXX XXXX XXXX ( XXXX KB ) XXXX XXXX Payment cont 'd Acct # XXXX ( XXXX KB ) View full complaint

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