Consumer complaint received 2025-02-02 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: MN

Complaint narrative:
Experian is reporting late payments that do not and have not existed with no way for me to get it changed. 

In XX/XX/XXXX, during my divorce and legal name change, I was forced to file bankruptcy. I kept my car and continued to make the loan payments. I have made every single payment on time to this very day. The loan was not " re-affirmed '', and therefore XXXX XXXX XXXX XXXX stopped reporting my payments but the payments are still due and I pay them every month. Never late. 
In XX/XX/XXXX I filed disputes with all 3 credit bureaus and provided proof of all my payments because the credit bureaus show my auto loan payments stopping in XX/XX/XXXX. That is incorrect. 
None of them updated showing all my payments. But at least they updated the " Last Updated '' date to reflect something was happening. 
XXXX XXXX provides proof of my payments to me quarterly so I intended to update the credit bureaus quarterly as well. 
In XX/XX/XXXX I noticed my Experian credit score dropped dramatically. Upon review I saw that since I had not reported my payments to them in a few months they decided my payments must have stopped I guess. 
They were reporting I had recent late payments that I did not have, on an account that they refused to admit I have even made any payments on since XXXX XXXX on an account that they say has been closed since XX/XX/XXXX. 
Its not closed. I make payments every month. XXXX  XXXX should have to report those payments, but they don't. I self-reported my auto loan payments to the credit bureaus in an attempt to show there has been positive activity on my auto loan account, and I have basically been penalized by Experian for doing so. 
I have filed multiple disputes with Experian and each time I file a dispute my credit score immediately drops by XXXX points. 
Credit disputes with Experian : XX/XX/XXXX - Report # XXXX XX/XX/XXXX- Same XX/XX/XXXX - Report # XXXX XX/XX/XXXX - Report # XXXX XX/XX/XXXX - Report # XXXX Both XXXX and XXXX at least show that I have 100 % positive payment history. 
But Experian has decided I have phantom late payments and they say my recent payment history is 70 %. Consequently my credit score with them is about XXXX points lower than the other two bureaus. Furthermore, my scores with the other bureaus have begun to slowly fall and the only reason I can think of is that my negative score with Experian must be affecting the others. 
Unacceptable. 
This will keep me from being able to rent an apartment or get a new car loan. 
Furthermore, I have also contacted them many times and provided court proof of my legal name change that happened during my divorce three years ago and they refuse to use my legal name. They still address me by my married name which is inaccurate. 
Also, the phone number provided on their website is useless. The only thing I have been able to accomplish whilst calling that number and speaking to AI is get another credit report mailed to me. Its impossible to speak to a " specialist '. The AI only wants to know if you want a copy of your credit report and then hangs up on you.

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