Consumer complaint received 2018-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It percieved Experian and other credit reporting agencies have been hacked. Or XXXX XXXX has made an error. 

I dont see My XXXX XXXX credit card, on credit file. Or currently being reported is any history of XXXX  XXXX EVER existing as being reported to credit Bureau. In contrast, the credit Bureaus ALL reported XXXX XXXX as resent as XX/XX/XXXX and since XXXX. But not any more. They lost data and record if its existance. This XXXX XXXX card, is an active credit card. I am including XXXX  XXXX on this complaint too. 

The bank, as credit furnisher has been reporting my XXXX  XXXX credit card to Experian, every month since XXXX. Experian and other agencies have ALL sent me credit files showing the XXXX  XXXX credit card as being reported with their company. Today the file and evidence of ANY history of XXXX  XXXX being reported has been lost, and no lnger on file. The reporting agencies have LOST DATA. They may have been hacked. 

In my resent complaint filed with Credit bureau, complaint # XXXX. Experian responded claiming " the XXXX XXXX is not being reported " and Experian cited " it is up to the bank to report ''. The very nature of the complaint was the fact that XXXX XXXX is reporting the card to Experian, and the card WAS reported on Experian file as resent as XX/XX/XXXX. Someone inside Experian has DELETED the card and evidence of the card being reported, or Experian has been hacked, and lost data. Regardless, the card fell off record with EXPERIAN, and no longer shows. As experian says - their is no existance of the card being reported today, or that the card EVER was reported. But on my credit report attached the card is clearly present. This claim of experian that the card is not being reported by the credit card company has no basis. It is not true, becaues can all see from attach credit reports from Experian showing the XXXX XXXX being reported XX/XX/XXXX. It is commonly ACCEPTED among USA population in general banks like XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX DO report t credit agencies. Why then would Experian in their responce claim they do not? Experian pure and simple - has lost DATA, or been hacked. My concern is Experian and other agencies may have been hacked. If the Experian is going to respond, claiming XXXX XXXX is not reporting the card, it raises the GOOD question, how can that be? When the card has been shing on the Credit file and report since XXXX. The only explanation is Experian has been hacked, and lost the data in a data breach and any Evidence of the XXXX XXXX card being reported. 

I request Experian to resolve how they lost data. And how is it Experian claims the credit card is not being reported when it showes on my credit file right through to XX/XX/XXXX XXXX it now has gone, from experian record - as the Experian responce to the prior complaint # XXXX filed here with CFB shows. 

Where is the data? Data is being reported to Experian as the Experian files shows, Why is it missing for Experian all togeter today, and why is Experian NOT CHECKING back on mail it has sent prir to my house showing the XXXX  XXXX card as present. It is an active card.?

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