Consumer complaint received 2025-08-30 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: MS

Complaint narrative:
Heres a professional and clear letter you can send to the * * Consumer Financial Protection Bureau ( CFPB ) * * regarding the issue with XXXX XXXX XXXX XXXX XXXX  and your * * credit reporting dispute * *. You can customize the letter with your specific details ( like your address, account number, etc. ) : -- - * * \ [ Your Full Name ] * * \ [ Your Street Address ] \ [ City, State, ZIP Code ] \ [ Phone Number ] \ [ Email Address ] * * Date : * * \ [ Insert Date ] To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Against XXXX for Inaccurate Credit Reporting and Violation of Consumer Rights. 

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for what I believe to be * * unlawful credit reporting practices * * and violation of my consumer rights under the * * Fair Credit Reporting Act ( FCRA ) * * and * * Fair Debt Collection Practices Act ( FDCPA ) * *. 

I was previously financed through XXXX for an automobile loan, which has since been * * paid off in full * *. Despite fulfilling my financial obligations, XXXX has continued to report * * inaccurate and misleading information * * to the credit bureaus regarding my account, specifically : 1. * * False Payment History Reporting * * The payment history being reported does not accurately reflect my actual payment record. 
2. * * Outstanding Balance Misrepresentation * * The only remaining fees were * * title and sale tax fees * *, which do not legally constitute a loan balance under credit reporting standards once the principal loan is paid off.

3. * * Failure to Update Account Status * * The account should be reported as * * paid in full * * or * * closed paid as agreed * *. Instead, it shows an erroneous balance, which is negatively affecting my credit standing.

These actions violate the following legal provisions : * * * FCRA Section 623 * * Furnishers must report accurate information.

* * * FCRA Section 611 * * Consumers have the right to dispute and request correction of inaccuracies.

* * * FDCPA Section 807 ( 8 ) * * It is unlawful to communicate credit information known to be false.

I have previously disputed this directly with the credit bureaus and XXXX but have not received a satisfactory resolution. I now request the CFPB to investigate this matter and ensure that XXXX : * Immediately ceases reporting inaccurate information. 
* Updates my account to reflect a paid-off status. 
* Removes any erroneous balance related to title or tax fees. 

Please find enclosed supporting documentation including proof of loan payoff and relevant credit reports. 

Thank you for your time and assistance in protecting consumer rights. 

Sincerely, XXXX XXXX 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