Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX was declared a total loss after an accident. XXXX XXXX XXXX ( XXXX ) received insurance and XXXX payments toward the loan, which left a remaining balance of {$200.00}. 

According to XXXX  records, the following payments were made toward the account : - XX/XX/XXXX Insurance payment of {$21000.00} - XX/XX/XXXXXXXX XXXX product refund of {$1500.00} - XX/XX/XXXX XXXX  payment of {$790.00} This left a final balance of {$200.00}, which was confirmed in the Total Loss Final Bill issued by XXXX  on XX/XX/XXXX. However, this letter was sent to my old address ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), despite my updated address being on file. As a result, I was unaware that a balance remained. 

Upon discovering the issue, I paid the full {$200.00} on XX/XX/XXXX, exactly XXXX  days after the XX/XX/XXXX due date, which aligns with the final XXXX payment posting. XXXX accepted the payment and issued a lien release, confirming the loan was fully satisfied. 

Despite this, XXXX reported the account to all three credit bureaus ( Experian, XXXX XXXX XXXX  ) as : XXXX, XXXX. {$200.00} XXXX XXXX This reporting is false and harmful, because : - The {$200.00} was not written offI paid it in full, voluntarily. 
- The account was only XXXX  days past due, which is well below the XXXX day threshold typically required for charge-off status based on industry guidelines ( e.g., the Credit Reporting Resource Guide ) . 
- There was no loss or settlementXXXX received the full balance and issued a lien release. 
- My XX/XX/XXXX statement showed {$0.00} due, reflecting the total loss settlement and prior payments. 

Worse, after I disputed the inaccurate reporting with all three credit bureaus under FCRA 611 ( 15 U.S.C. 1681i ) and submitted a formal dispute letter directly to XXXX under FCRA 623 ( a ) ( 8 ), XXXX failed to conduct a proper reinvestigation. They misinterpreted my dispute as a goodwill/courtesy removal request, not a legal challenge to inaccurate reporting. Then, they added a second charge-off entry, showing the account as charged off in XXXX and XXXX XXXX it had already been paid in full and closed. 

These actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 623 ( a ) ( 1 ) ( A ) : Furnishers must report only accurate and complete information.

2. 623 ( b ) : Furnishers must investigate disputes forwarded by credit bureaus.

3. 623 ( a ) ( 8 ) : Furnishers must reasonably investigate direct disputes from consumers.

I also maintain a separate, current account with XXXX XXXX XXXX that is in good standing, with no missed or late payments. Account # : XXXX I am requesting that XXXX XXXX XXXX remove the inaccurate charge-off reporting entirely and correct the account to reflect Paid in Full or Closed Paid as Agreed.

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