Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Subject : Third Complaint Inaccurate and Retroactive Charge-Off Reporting on Paid Auto Loan ( Paid in Full XX/XX/XXXX ) To Whom It May Concern : This is my third formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX on an auto loan I paid in full in XX/XX/XXXX. At payoff the account was not charged off ; it was current or subject only to a minor balance discrepancy that I subsequently disputed. 

After I submitted that dispute in XXXX of XXXX, XXXX XXXX XXXX retroactively reported the account as a charge-off for each months in XXXX, and all of XXXX, despite there being no charge-off status prior to payoff. Those backdated charge-off notations are factually inaccurate and are causing significant harm to my credit score and financial wellbeing. 

Facts -Loan payoff date : [ XX/XX/XXXX ]. 

Prior to payoff the account was not charged off ; the only outstanding issue was a small balance dispute, which a settlement amount was agreed upon and then I received notifications about a balance after. ( documentation attached ). 

Following my dispute, XXXX XXXX XXXX updated reporting to show charge-offs for multiple months in XXXX a retroactive change that does not reflect the accounts status before payoff. 

Legal and reporting concerns Under the Fair Credit Reporting Act ( FCRA ), furnishers must not report information they know is inaccurate and must correct disputed information in a timely manner. The current reporting is inaccurate and misleading given the accounts paid-in-full status. 

Requested action I am requesting that XXXX XXXX XXXX do the following immediately : Remove all inaccurate/backdated charge-off notations associated with this account from reporting to all credit reporting agencies. 

Update the account status to Paid in Full or Closed Paid as Agreed. 

Provide written confirmation stating what corrections were made, the date of correction, and which credit bureaus were notified. 

Provide a brief description of the reason these backdated entries were posted and the steps taken to prevent recurrence. 

I have attached : Proof of final payoff ( XX/XX/XXXX ) ; Credit report excerpts showing the backdated charge-off entries ; Copies of prior correspondence/complaints. 

Next steps Please provide written confirmation that the corrections have been completed no later than 15 calendar days from the date of this letter. If these inaccuracies are not corrected promptly, I will consider and pursue the remedies available to me, including disputing the reporting with the major credit bureaus and seeking other appropriate options to resolve this matter. 

Thank you for your prompt attention. I expect accurate reporting consistent with the documentation provided. 

Sincerely, XXXX XXXX Attachments : proof of final payment ; credit report excerpts ; prior correspondence

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