Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute via Experian 's website for a collections account placed by XXXX XXXX. The crux of that dispute was the item showing a past due balance of {$3100.00} despite this having been paid to the creditor in XX/XX/XXXX. While the dispute was underway, the item was modified XX/XX/XXXX to reflect paid in settlement with a XXXX balance. This seems to be based on the creditors normal reporting to the bureau and not as a result of my dispute since it was updated likewise with another bureau. On XX/XX/XXXX, Experian said my dispute was completed ; however, their response and resulting updates only create further confusion and inaccuracies. In addition, there is a factual inconsistency ( thus an error ) on this item relative to how it shows on my TransUnion report. 
XXXX ) As shown on the attached Experian report pages for XXXX ( all of them ), this item is scheduled to be removed XX/XX/XXXX. However, TransUnion ( see attached ) says this is XX/XX/XXXX. Since this is determined by the date of first delinquency, of which there can only be XXXX, these should be based off the same date and be consistent. One of these has to be incorrect and Experian must research further and update this if inaccurate. 
2 ) Experian payment history ( see attached XXXX Experian report pages of XXXX ) : A ) Prior to my dispute, the payment history showed " C '' ( Collection '' from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX was not yet updated B ) During my dispute, the settlement and XXXX balance changed but the payment history remained largely the same ( " XXXX '' for Collection from XX/XX/XXXX to XX/XX/XXXX, but XX/XX/XXXX now had CLS for Closed ) C ) After the dispute, there is now NO payment history for XXXX at all, XXXX XXXX is blank and XX/XX/XXXX shows " C '' for Collection ( previously XXXX for Closed ) While favorable to me most likely, how does an entire calendar year of payment history previously reported just disappear? How were XX/XX/XXXX to XX/XX/XXXX report as a collection before but now are not? Finally, and most importantly, the account is closed and paid in full ( via settlement ) but the most recent month ( XX/XX/XXXX ) shows as a " C '' for Collection when it's resolved. Was not the previous " CLS '' for Closed more accurate?

3 ) Experian says that the information I disputed ( that the {$3100.00} balance was still past due and in collections ) was verified as accurate. However, that can not be the case because you can see it was later updated by the furnisher to paid in settlement with zero balance. I understand this addressed that concern while the dispute was underway, but for Experian to say the information disputed was accurate is patently false- it was so inaccurate the furnisher themselves updated it to be accurate. I find this evasive and not specific to my situation, implying a reasonable reinvestigation was not done.

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