Consumer complaint received 2024-08-19 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: NC

Complaint narrative:
Ive contacted Experian, XXXX, and XXXX to simply remove this closed account do to the incorrect information and discrepancies with me and the company. I do not think they did an investigation using a live person and allowed an automated computer system to investigate the issue. 

First message sent to XXXX XXXX This is a formal request for my account information and any settlement agreements made with me. 

XXXX : I would like a detail transaction history from the day I open the account until the current date. 
XXXX : I would like documentation showing that asettlementoffer can be canceled if you miss a payment date. 
XXXX : I would like prof that I agreed to those terms and I was informed of those terms. 
XXXX : I would like all the notes that have been placed on my account sent to me by email or mail. 
XXXX : I would like a confirmation that each item listed above has been agreed to or denied. 

Second Message : In my last letter I ask for prof that I agreed to the terms of the settlement agreement and I was informed of the terms and condition. 

You responded back with The investigation found that an agreement to pay the account for less than the balance was arranged verbally on XXXX XXXX. The agreement was that you would p [ ay 50 % of the current balance with XXXX payments in the amount of {$82.00} per month. 

This response did not come with any XXXX of this agreement and must be taken based on your companys word without verification. 
You did not give a response to rather a complete disclosure of the agreement between both parties was given. 

At any point and time was I aware of the void clause or action that XXXX be taken for not paying the settlement agreement on time? 

After you received XXXX XX/XX/XXXX, those funds were to be applied to the settlement agreement. 
After the agreement was voided was I given prior notice to how my payment would allocated? 
Did you apply the funds to my account without consistent or notice? 
Was I told prior or did I agree that if the payment was late or the agreement was voided the company could apply the funds any way they wanted? 
At any time was I aware that I was to continue making monthly payments after a settlement agreement was reached? 

Please provide evidence that this information was disclosed to me prior to making this agreement? 
Both parties must understand the agreement and the creditor must give complete disclosures of any terms or conditions. 

You stated On XX/XX/XXXX, a second agreement was made to pay the account for less than the full balance. The agreement was set up for 50 % with XXXX lump sum payment of {$210.00}. The payment was made XX/XX/XXXX and a final letter is currently pending until XX/XX/XXXX in order to insure that payment clears. 

Today is XX/XX/XXXX and no letter has been received and this account still appears on my credit profile as an unpaid debt with a balance. 
This debt has been paid in full and your company and I cant agree on the treatment, reporting or accuracy of the settlement agreements. To resolve this issue I would simply like your company to completely remove this account from my profile. 
There is no longer a debt and removing the account can settle the matter.

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