Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
Loan History Summary XXXX XXXX Borrower : XXXX XXXX Loan Origination Date : XX/XX/XXXX Final Payoff Date : XX/XX/XXXXXXXX  I am submitting the following documentation and summary to dispute the inaccurate credit reporting of my loan with XXXX XXXX. The loan is currently reported as opened and closed due to refinance in XXXX  by XXXX  and XXXX, and it is not reported at all by Experian. This is factually incorrect and harmful to my credit score. 


The following timeline reflects that the loan originated in XXXX, was refinanced later that year for a higher balance, and remained open and in good standing until it was paid in full on XX/XX/XXXX. I am requesting correction of the reporting to reflect this accurate payment history. 

Documentation ( Chronological Order ) : XX/XX/XXXXXXXX  Appointment Confirmation Email Email from XXXX  confirming an appointment to finalize the loan at XXXX XXXX 

XX/XX/XXXX Statement Showing Refinance Reflects original loan balance and refinancing with additional funds. 

XXXX XXXX XXXX  Year-End Statement Shows total loan balance of {$27000.00} at end of XXXX. 

XXXX XXXX XXXX Monthly Statement Payment of {$460.00} received. 

XXXX XXXX XXXX Year-End Statement Reflects continuing payment activity with balance of {$22000.00}. 

XXXX XXXX XXXX Year-End Statement Payment of {$460.00} received ; balance : {$17000.00}. 

XX/XX/XXXX Loan Modification Statement Monthly payment adjusted to {$230.00} ; balance : {$13000.00}. 

XX/XX/XXXX Final Settlement Statement Shows agreement and acceptance of a {$6000.00} final payoff. 



Prior Attempts to Resolve : XX/XX/XXXXXXXX  : I faxed a formal written request to XXXX XXXX asking that they re-report my loan information accurately to the credit bureaus. I received no response. I mailed formal written request as well. 
XX/XX/XXXX : I called XXXX credit dispute department and spoke to a representative named XXXX. She acknowledged the issue and told me she would investigate and call me back. 
XX/XX/XXXX : XXXX returned my call and informed me that XXXX refuses to update the tradeline or correct the information reported to Experian, XXXX, and XXXX  despite being shown clear proof that the loan remained active through XXXX. I was told they do not reissue loan information, even in cases where the current data is incorrect. I stressed to XXXX this was effecting my credit score negatively. 




My Request : This account should reflect : Open date : XXXX  Status : Closed Paid in Full Final payment date : XX/XX/XXXXXXXX  Consistent monthly payments through the loans full term This information is critical to accurately reflect my creditworthiness and history of on-time installment payments. I am asking that all three bureaus and XXXX correct this misinformation without further delay. 


Sincerely, 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