Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am writing this letter to expose the lack of professionalism and work on the part of the credit company Experian and to formally file a complaint through the CFPB of the following problem. I have already communicated on several occasions and I have made several disputes to the credit agency EXPERIAN for an error they have in my credit information of a late payment in XX/XX/year> in the XXXX XXXX XXXX account with account number XXXX that is damaging my credit profile and I emphasized that this late payment is a mistake because I made the payment on that date and I have sufficient evidence to prove it and assert my word and what I am stating. I also want to say that I contacted XXXX XXXX regarding this unfortunate event and they told me that they can't do anything for me that it's a mistake they won't remove it, that I could only wait 7 years for it to be erased even though it was their mistake and it doesn't seem fair to me if I made the payment. Now they mark my credit like this and they also refuse to fix me without having proof. On other occasions they told me Experian to send them proof that I made that payment so they could remove the negative information from my credit report, since the XXXX XXXX XXXX company refuses to remove the information even without having conclusive proof, only their word of saying that I didn't do it and it doesn't seem like proof to me. When they asked me for this information, I started a new dispute and sent them the information they requested, I sent them my bank statement showing the amount and quantity I paid on that day and date to this lender, I also sent the proof of payment that XXXX XXXX XXXX sent me that validates the payment and shows the payment I made on that same date, and even with that conclusive evidence, the erroneous information was not removed from my report. And it seems to me an act of consumer fraud and bad faith on the part of Experian that after I sent Experian the documents and evidence they requested and I sent them, they did nothing to resolve the problem. I emphasized that in the last dispute I filed against Experian, they did not conduct an investigation, they only gave the information provided by me to the lender so that XXXX XXXX XXXX could conduct the investigation, and the decision was made by XXXX XXXX without regard for the evidence. Now, in this dispute I'm discussing, I want Experian to prove to me that I didn't make the late payment by sending me compelling evidence that proves I didn't make the payment that's affecting my credit, as required by federal laws and FDCPA regulations. Since the actions of XXXX XXXX and Experian against me are fraudulent actions with bad faith objectives since they do so to obtain higher interest on loans, such as in my case, when I requested a car loan in a pre-approval from XXXX XXXX XXXX and they give me an excessively high interest for late payment since they themselves have put this fraudulent mark on my credit, it appears to me an act of fraud on the part of Experian for being part of this act as an accomplice. I want the CFPB to be more severe with the credit bureaus in this dispute and enforce federal consumer protection laws and regulations and for Experian to send me conclusive evidence that I did not make that payment and that the information provided by XXXX XXXX is correct. I want it to be demonstrated to me with evidence, not only that they respond to me that the lender has confirmed that the payment was not made. Since I do not agree with that answer, nor do I agree since that answer is not proof because the lender is not the law and if the law requires that they have to show me evidence, they can not refuse because they would be violating the federal laws of the FDCPA and the CFPB, so I reinstate Experian to investigate. And if they do not have real and conclusive evidence that I did not make that payment, it should be withdrawn immediately since otherwise it is considered an act of violation of consumer rights and an act of violation of federal laws and regulations and an act of hate, fraud, and racism. I will see myself as a last option if the CFPB does not make Experian comply with the laws to file a lawsuit against Experian and XXXX XXXX for damages to the consumer as required by law of the Fair Credit Act FCRA. I am once again sending you the evidence I have that shows XXXX XXXX that their information is incorrect and that I did make the payment. Thank you to the CFPB for your time and for please comply with the consumer protection law.

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