I've been trying to work with Experian on an issue from a long time ago that's been haunting my credit but it's finally been resolved now. They kept showing a late payment on my report but when you'd click the link it didn't show you which account that it was linked too but also where it shows accounts ever been late it listed that at zero. It's been affecting me for several years and I've tried calling them but was able to clear up some of the things on there but they even agreed there was no late payments on any of my accounts but this one account always stayed and it had gotten to the point to where I had even consulted with a local attorney who deals with credit reporting and says they have better luck mailing a certified letter to them and that I needed the 3 reports to review them and I had them from earlier but couldn't get new ones as they only let you get them free once per year. It finally got to the point where I just wanted the account to drop off on it's own but now it's been 8 yrs since that loan was paid off in full and this was still affecting my credit but the late payment actually goes back to 2009 so obviously something was wrong. I ended up disputing it online which they have 30 days to review per the fair credit reporting act rules and they finally just removed that account from my report and I got a nice bump in my credit score too.