Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Loan XXXX XXXX XXXX loan open date XX/XX/XXXX Open loan amount {$47000.00} Loan paid off in full date : XX/XX/XXXX I noticed XXXX XXXX XXXX is reporting inaccurate derogatory information on XXXX XXXX Experian, XXXX, and XXXX credit reports. loan XXXX shows open XX/XX/XXXX, loan are not reporting paid in full as of XXXX XXXX. I was over charge lates and interest. XXXX declared total loss of the XXXX XXXX XXXX on date XX/XX/XXXX. In addition, settlement payment was released to XXXX on XX/XX/XXXX. Loan XXXX are reporting XXXX potentially negative 30day late payment with Experian, XXXX, and XXXX credit agency. Loan XXXX has a 10-grace period, XXXX offered at the time of signing auto loan contract. Below are the months shows late 30days. I have attached receipts of payments that were turned in before 30days. In addition, I spoke with XXXX at XXXX XXXX XX/XX/XXXX, she provided it me with a payments summary of all benefit issued payments for loan XXXX, and XXXX. I was informed all payments were wired to XXXX on the benefit issued date. XXXX also brought to my attention XXXX knows to allow 2 days business days before payments are released. This will not be the first time I have had issues with XXXX. My request is to have XXXX report accurate information to the credit bureau Experian, XXXX, and XXXX immediately. 





XXXX issued payment {$370000.00} on XX/XX/XXXX GAP issued reimbursement {$4000.00} on Insurance issued reimbursement {$3700.00} on Warranty issued reimbursement {$1100.00} on XX/XX/XXXX Auction issued payment {$13000.00} on XX/XX/XXXX Dates Credit agency reporting 30 days late XX/XX/XXXX, Loan was not 30 days late, please report accurate information to Experian, XXXX, and XXXX? 

XX/XX/XXXX XX/XX/XXXX, Loan was not 30 days late, please report accurate information to Experian, XXXX, and XXXX? 

XX/XX/XXXX I had no knowledge XXXX XXXX XXXX would report voluntarily surrender on my credit report. When I received an email from XXXX, I informed her that I do not want the vehicle to be voluntarily surrender, I will pay loan monthly note as agreed to on contract. XXXX never explain to me what the procedures once the vehicle has an open balance after total loss pay off. Also, the contract does not state if there is an open balance once vehicle is sold in auction, credit report will show voluntarily surrender. 

XX/XX/XXXX, XXXX sold in auction why is my credit report shows voluntarily surrender? Payment on loan XXXX due date payment is on the XXXX of the month, and XXXX sold on the XXXX. There is nothing in the contract that states voluntarily surrender will report on credit. 

XX/XX/XXXX, why is XXXX reporting voluntarily surrender? XXXX sold XX/XX/XXXX. Please report accurate information to Experian, XXXX, and XXXX? 

XX/XX/XXXX, why is XXXX reporting voluntarily surrender? XXXX sold XX/XX/XXXX. Please report accurate information to Experian, XXXX, and XXXX?

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