Consumer complaint received 2025-12-19 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: AR

Complaint narrative:
I am writing to formally dispute an error regarding an account listed as OFFICE OF THE ATTY GEN XXXX on my credit report. This account was opened on XX/XX/XXXX, and shows a balance of {$0.00} with the last payment recorded on XX/XX/XXXX. The account has been reported as " closed, '' but this is inaccurate and misleading. I have been actively managing my payments on this account and have not been notified that it was closed. In fact, all payments made were processed on time, and I was under the impression that the account was still open and active. It seems that there is a reporting discrepancy or clerical error, as the status of the account does not reflect the actual circumstances. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any inaccuracies or incomplete information on my credit report, and I request that an immediate investigation be conducted. The inaccurate closure of this account is not only misleading but is having a detrimental effect on my credit score and my financial standing. 
Further complicating matters is the fact that this account is showing a balance of {$0.00} and lists the last payment date as XX/XX/XXXX. Based on my records, I did not make any payment on that date, nor did I authorize any such payment. There seems to be an error in reporting the last payment date, which could be the result of a technical glitch or internal miscommunication. Additionally, the reporting of a balance of {$0.00} is creating confusion, as I have not received any confirmation from the Office of the Attorney General regarding the settlement or closure of the account. Under FCRA 1681e ( b ), you are legally required to report accurate and complete information to the credit bureaus, and this apparent discrepancy between my records and the data provided is a violation of those requirements. I request that you immediately correct this error and ensure that the correct payment history is reflected on my report. The lack of clarity on the status and payment history of this account is causing significant harm to my financial reputation and hindering my ability to secure credit or loans. 
Lastly, I wish to emphasize that under the FCRA 1681s-2 ( a ), all furnishers of credit information are obligated to provide accurate and truthful reports to the credit bureaus. If an account has been closed or settled, I should have received written confirmation from the creditor explaining the action taken and the resolution of the balance. However, to date, I have not received such notification, and the reported status of the account as " closed '' is inconsistent with my records. Given this, I respectfully request a full investigation into the matter. If it is found that an error has been made in the reporting of this account, I request that the account status be corrected to reflect its true nature, and that any inaccurate information, including the erroneous payment date, be promptly correct from my credit report.

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