Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
LETTER TO CREDIT BUREAU ( S ) and XXXX XXXX XXXX. On XX/XX/2025, I became aware of a {$42.00} debt that was reported to all three major credit bureaus as a charge-off against my Credit Report ( s ). According to XXXX the {$42.00} charge off has reduced my [ XXXX XXXX XXXX ] to [ XXXX ]. As my three Credit reports show ( including the XXXX XXXX XXXX XXXX ) I have not been late in payments in over 10-15 years, thus my XXXX. The {$42.00} was due to a misunderstanding. I was under the impression that I had used my [ personal debit card ] to cover the [ XXXX XXXX ] transaction. As such, I was not aware of the XXXX that went from {$42.00} to {$150.00} which I paid-off-In-Full the same day I became aware of it : Payment Confirmation # XXXX under Credit Card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As may be witnessed on all three ( 3 ) of my credit report ( s ) within all the months that the {$42.00} XXXX XXXX XXXX unpaid, I made the {$650.00} payment toward my SUV lease and its corresponding XXXX XXXX XXXX premium on time. A lease that is about to expire ( please see attached XXXX XXXX XXXX XXXX ) and will leave me with the need to purchase/lease/finance a new vehicle to get to and from work. Also, Ive been working really hard at trying to get my credit score as high as possible to qualify for a Mortgage. Thus, it would make no sense to keep-up with my SUV-Lease payment, XXXX XXXX XXXX, XXXX XXXX having the need to obtain a new vehicle, looking forward to getting a mortgage, and at the same time letting a {$42.00} XXXX XXXX go unpaid. In short, with this charge-off on my credit ( lowering my score from XXXX to XXXX / a XXXX drop at approximately XXXX points a month ) there is no way that creditors will engage in any financial transaction/agreement with me and being over XXXX XXXX XXXX, it would take me another 15 years to get my credit score back into the XXXX. Please see attached XXXX XXXX XXXX " Pay-Off-Letter '' as evidence of my lease about to expire, leaving me with the need of having to lease, finance, etc. a new car. As for my history of being on time on all my accounts, including XXXX XXXX XXXX and, It is my understanding that you have the authority to pull any and all of my three credits reports which will confirm my claim of being up to date with all my creditors. Should you not have such authority, please reach out to the credit bureaus and they should be able to confirm. Meanwhile, I have included a copy of a XXXX  Credit Report that I downloaded yesterday directly from their website. In short, Im writing to ask that [ as a one-time courtesy ] you please remove the Charge-Off from all three Credit Bureau ( s ) so I may go on to getting the car I will be needing and hopefully a mortgage in the near future.

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