Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint concerns the mishandling of my lease account and inaccurate credit reporting by XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX ( Account No. XXXX, XXXX XXXX ). 

What Happened In XX/XX/XXXX, I received a promotional offer from XXXX stating that if I returned my leased vehicle early and leased a new XXXX, XXXX XXXX XXXX would waive XXXX ( XXXX ) remaining payments and the disposition fee. 

On XX/XX/XXXX, I returned my leased XXXX XXXX XXXX and leased a new XXXX vehicle XXXX At that time, I had four ( 4 ) payments remaining. Based on XXXX offer, I was responsible for only one payment of {$430.00}. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and spoke with XXXX ( Agent ID : LGHW ) to confirm the status of my account. During that call, I noticed my online portal showed an outstanding balance of {$780.00}, including a {$350.00} disposition fee that was supposed to be waived. XXXX assured me that I was not responsible for the disposition fee and that XXXX was still processing the account closure, which could take up to 60 days. 

Later, when I logged in to my XXXX XXXX XXXX, I saw the correct balance of {$430.00}, which I immediately paid. XXXX received this final payment on XX/XX/XXXX, closing the account in full and in accordance with the promotional offer. 

However, on XX/XX/XXXX, I discovered that XXXX XXXX XXXX had reported to Experian that I owed {$3300.00}, which is completely inaccurate. Despite multiple attempts, I was unable to reach a XXXX representative to resolve this issue ( request number # XXXX ). 

On XX/XX/XXXX, I received a collection letter stating that I owed XXXX {$250.00}, but they would accept {$170.00} to settle the balance. When I called XXXX XXXX, I was redirected to Radius Collections and could no longer reach anyone at XXXX directly. 

Because my credit score is extremely important to me, I made the payment under protest and clearly stated on the recorded call that I dispute this charge and will file a formal complaint with the CFPB. 

What I Want XXXX to Do I request that XXXX XXXX XXXX : Immediately correct the inaccurate credit reporting and remove the false {$3300.00} delinquent balance from all credit bureaus, including Experian. 

Remove and refund the improper charge of {$250.00}, which I was forced to pay under protest. 

Provide written confirmation that my lease account was properly closed and paid in full according to XXXX offer ( waiver of three payments and the disposition fee ). 

Ensure no further collection activity or negative credit reporting occurs related to this closed lease account. 

Supporting Information Account Number : XXXX VIN : XXXX Vehicle : XXXX XXXX XXXX XXXX Monthly XXXX : {$430.00} XXXX Offer XXXX Waiver of XXXX lease payments + disposition fee for early return and new lease Key Dates : XX/XX/XXXX Vehicle returned and new lease initiated XX/XX/XXXX Call with Agent XXXX ( XXXX ) confirming disposition fee waived XX/XX/XXXX XXXX incorrectly XXXX {$3300.00} balance to Experian ( XXXX XXXX XXXX number XXXX ) XX/XX/XXXX Final payment of {$430.00} received by XXXX XX/XX/XXXX XXXX notice received ; {$250.00} charge paid under protest

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