Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
This complaint is about Transunion credit reporting as well as Experian and Equifax, and refers to one debt only, XXXX. 
Twice, with all three credit reporting agencies, I have disputed an item, and they refuse to remove the incorrect debt. 
XXXX is listed as a creditor and the credit reporting agencies have me reported late at varying dates and varying amounts of time. Transunion reports me XXXX  days late as of XXXX, XXXX, Equifax reports me being late XXXX days as of XXXX, XXXX and Experian reports me XXXX  days late as of XX/XX/XXXX. 
Even though I provided evidence from XXXX to support my position, all three credit reporting agencies refuse to remove the debt. 
I was given a forbearance by XXXX until XXXX, XXXX. 
I provided evidence to all credit reporting agencies, that being : XXXX. A letter from XXXX granting me forbearance until XXXX, XXXX labeled " Exhibit # 1. '' 2. A tax document from XXXX stating I was not past due, {$0.00} amount owed, labeled " Exhibit # XXXX. '' I pointed this out to all the credit bureaus that it was even in their credit report that I was " OK '' or paid on time ( re : the dates and times listed above ) and that it would be impossible to be XXXX or 120 days past due if every month prior and after I was " OK '' or paid on time. 
Additionally, I provided evidence of my on time payment for XXXX, XXXX. 

This is insane! It's like they aren't even looking at any evidence I provide or use any sort of logic, or perhaps they just plug it into AI and send back the results. 

Please help me get this item from XXXX removed from Transunion, Equifax and Experian credit reporting agencies. 

* Note : With my prior complaint against Transunion in XX/XX/XXXX, A company reported that I was in default of a debt. I disputed that to Transunion. I was sued by the company claiming I owed money to. The court ruled in my favor and threw out the case. When I sent the evidence to Transunion that I won in court, that being a copy of the judge 's order in my favor, and asked them to remove that debt, they refused to remove it. I made a complaint about Transunion to cfpb and Transunion still refused to remove it. I called Transunion and asked them why they refused to remove it and asked to speak to their legal counsel to resolve the issue. They refused to provide me with their legal counsel 's information and stated, " Let me give you a little advice, this item will only be in your credit report for a few more months, so if I was you, I'd let it go. By the time you get an attorney it will be resolved so you'll be wasting your time. '' Transunion has no fear of reprisals from anyone and do as they please. Equifax and Experian immediately removed that debt when I provided a copy of the judge 's order ruling in my favor. 

Thank you, 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