Consumer complaint received 2025-03-14 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to file a formal complaint regarding the continued incorrect reporting of an account by Experian, despite numerous attempts to resolve the issue. The account in question is XXXX and has been inaccurately reported as " open '' on my credit report, even though it was paid off in XX/XX/XXXX and purged in XXXX. 


The account was fully paid off in XX/XX/XXXX, and I have documentation from the original creditor and collection agency confirming this. Furthermore, the creditors website shows that the account is marked as paid. However, Experian continues to report the account as " open, '' which is incorrect and harms my XXXX XXXX. 

I have filed XXXX disputes with Experian over the following dates : XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX The reason for the multiple disputes is due to the quick verification process used by Experian, and each time I dispute the account, I receive the response that it has been verified. However, when I called Experian to inquire about the verification process, I was told that the child collection agency had reported that the account was still open. 

I've contacted the child collection agency that reportedly told Experian the account was open. However, the collection agency denied making such a statement and confirmed that the account was paid off. This is a clear discrepancy in the information being provided by Experian and the collection agency, and it has not been addressed, despite my repeated attempts. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Experian corrects its reporting of the account as " open '' when it has been paid off since XXXX. This ongoing issue has caused me significant harm to my credit and is based on inaccurate information that Experian refuses to remove, despite multiple disputes and contradictory information from the collection agency. 

I have attached copies of the relevant documentation, including letters from the creditor and collection agency confirming the account was paid off, as well as any other correspondence related to my disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Attached is the letter from the child collection agency. I also added another one for another account that was reporting. They removed that account but wont remove the other one and they are the same people XXXX also have a screenshot of what they are reporting 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 non-monetary relief