Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and damaging information reported to your agency by XXXX XXXX. According to my records and supporting documentation, my loan account has been misreported as past due to being in good standing, and duplicate payments have not been accurately reflected in the account balance. 
Nature of Dispute : Incorrect due date reporting, duplicate withdrawals, and inaccurate balance reporting Details of Dispute : XXXX. Incorrect Due Date Reporting : My loan agreement with XXXX XXXX, dated XX/XX/XXXX, clearly states that I authorized XXXX monthly payment of {$100.00} to be withdrawn on the XXXX of each month. Despite full compliance with this agreement, XXXX XXXX incorrectly reported that my XX/XX/XXXX, payment was past due. In fact, the payment was made as agreed on XX/XX/XXXX, and this is documented on my enclosed bank statement. 
XXXX. Duplicate and Unauthorized Withdrawals : In addition to the regular payments agreed-upon, my account was subject to duplicate withdrawals on : o XX/XX/XXXX, and XX/XX/XXXX ( under the prior loan before refinancing ) These payments were not authorized by the loan agreement, which only calls for a single monthly payment. These overpayments should be applied to the principal balance accordingly. 
3. Loan Refinance and Updated Terms : The loan was refinanced on XX/XX/XXXX, and the new loan balance was {$3100.00}. The repayment agreement began on XX/XX/XXXX, with the monthly payment of {$100.00} due each month on the XXXX. There has never been a missed or late payment under this agreement. 
Requested Action : Pursuant to the Fair Credit Reporting Act ( FCRA ), I respectfully request the following actions : Remove all inaccurate past due notations from my credit file related to this BMG Money account. 
Investigate and verify all payments made and confirm that my payment history shows no missed or late payments. 
Ensure that all duplicate payments are applied correctly toward my loan principal. 
Update and correct the loan balance to reflect these overpayments. 
Provide written confirmation that these corrections have been completed. 
Enclosures ( Supporting Evidence ) : Copy of my loan agreement dated XX/XX/XXXX Bank statements highlighting timely and duplicate payments Correspondence with XXXX XXXX disputing the charges Copy of my photo ID and proof of residence ( utility bill or bank statement ) I appreciate your attention to this matter and expect the disputed information to be corrected within the 30-day timeframe provided under the FCRA. Please notify me in writing once the investigation is complete and the corrections have been made. 

Sincerely, XXXX XXXX Attachments XXXX Copy of my loan agreement dated XX/XX/XXXX Bank statements XXXX timely and duplicate payments Correspondence with XXXX XXXX XXXX the charges

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