Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). However, despite the fact that I submitted reliable and totally factual documentation to Experian concerning my debt PayOff loan obligation to XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX via wire transfer and based upon set written guidelines criteria by said mortgage loan servicing company, Experian resolutely decides to keep erroneous & absolutely false information furnished to them by XXXX into my credit report, and same is being done by Equifax. 

As a result of the aforementioned dispute case number ( XXXX ), and along side an email response via the CFPB 's website, Experian sent me the following written note, dated XXXX XXXX, XXXX & related to their Report number : XXXX : Dear ...., We have reviewed the documentation you provided with your dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. When we complete our processing of your dispute, which may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ), we will send you the results. 

Subesequently, on XXXX XXXX, I received Experian final written response concerning my complaint, and which is dated XXXX XXXX, XXXX, for Report number : XXXX. Here are some excerpts from this response : Dispute Results THis summary shows the revision ( s ) made to your credit file as a result of our processing of your dispute ... ... 
The body of the credit file still contains this very detrimental information : XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX FL XXXX ; Phone number ( XXXX ) XXXX XXXX ; Action : Recent balance : {$170000.00} as of XXXX XXXX Responsibility : Joint with .... ; Status : open. {$1900.00} past due as of XXXX XXXX. By XXXX XXXX, this account is scheduled to go to a positive status ( why such a death sentence when none of this was ever true? ) Payment history : it describes XXXX 30-day delinquent periods in XXXX : XXXX & XXXX. 

As Experian and XXXX continue to retain these negative and false facts into my credit file, XXXX made the necessary positive corrections in my credit file. It has removed the purported loan balance of {$170.00}, XXXX under Real Estate Accounts and it has also removed the Delinquent anotation previously noted. In fact on XXXX XXXX, XXXX, a total wire transfer disbursemnt, under Payoff of First Mortgage to XXXX XXXX XXXX, XXXX, in the amount of {$170000.00} was made to XXXX, based upon the written PayOff guidelines which XXXX had provided in writing. And similarly, in order for the closing transaction to have been effectuated on XXXX, I had to submit a Cash From Seller of {$2900.00} for real estate taxes. To this date, XXXX has yet to re-imburse me my Actual Ending Escrow balance of {$2400.00} plus the added excess of {$480.00}. 

Therefore under what prerogative or equitily driven law that Experian and XXXX continue to retain extremely adverse and totaly false negative documentation in my credit file? 

On XXXX/XXXX/XXXX, I received by mail from XXXX, the Lien Release record for that vacation home in XXXX, Florida and which clearly demonstrates that in fact that on XXXX/XXXX/XXXX that XXXX had received the PayOff mortgage sum, which reflected its written guidelines. Other added documentations will support in their entirety my truthfull version of the facts concerning my transaction with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation