Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good afternoon, I have been requesting that this erroneous information to be removed for almost 3 years. XXXX has NOT responded, and Experian says its up to XXXX to remove the information. I need assistance to be heard in the midst of an ongoing financial hardship for me. Please see attached dispute requests to all 3 bureaus and XXXX. 
4 ) XX/XX/XXXX Request to DELETE inaccurate information Update credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX RE : ss # - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Request to Delete and correct information that is being reported inaccurately on my credit report that includes my being declined by the XXXX / XXXX of A because of various security breaches, and possible tampering with the information that has negatively impacted my credit scores, history, and overall rating. Please review the information, and please re-send information to the 2 creditors that ( may have ) received information that is inaccurate and or erroneous if not just wrong in reference to my fair credit reporting bill of rights. 
Thank You Respectfully, XXXX XXXX XXXX aka XXXX XXXX XXXX : XXXX Description of Loss or Money Spent and Supporting Documents I have attached the DECLINE letter from XXXX. Due to the ( shared ), and inaccurate reporting of your agency ( s ), I was turned down for my XXXX XXXX XXXX XXXX request # XXXX in the amount of : ( XXXX ). I have experienced major financial devastation because of this INACCURATE information being reported. My credit rating is continuing to suffer because the inaccurate information has not been DELETED from my credit history, to allow for a review by the XXXX XXXX. Thank You. Respectfully, XXXX. 
3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS # XXXX / XXXX XXXX Please be advised. I have attached 4 pages that are TRUE copies of my current credit report, that includes the summary of the student loans that were DELETED from my credit report on XXXX, XXXX, XXXX. 
As to date your agency is still reporting INACCURATE information to the credit bureaus including XXXX ( see attached page ( 4/orange ) and Experian ( see attached 3 pages/pink ). 
I have been requesting that this INACCURATE information be corrected as it is continuing to cause financial hardships for me in terms of ERRONEOUS information being provided publically, that is MISREPRESENTATIVE of my otherwise pristine payment history. 
Please refer to the attached pages : NOTE : It is impossible to have a total debt of : XXXX AFTER 11 accounts have been XXXXd out as XXXX BALANCE / XXXX PAYMENT I am AGAIN asking the source of this erroneous, misleading, and inaccurate information to correct AND remove the XXXX, balance owed and correct to information to reflect XXXX BALANCE OWED/ XXXX PAYMENTS DUE from ALL THREE reporting agencies. 
These NEGATIVE listings must be removed within 30 days according to : Section 611, ( 15U.S.C. 1681i ) of the FAIR CREDIT REPORTING ACT, paragraph 2 Section ( A ). 
If this matter has not been resolved in this time frame, I will have no option but to take the necessary steps to act in my own best interests. 
Thank You Respectfully, XXXX XXXX XXXX XXXX ). 
Experian XXXX again Credit Limit Decrease : Student Loan MOHELA/DEPT OF ED lowered your credit limit. 
Financial Yesterday MOHELA/DEPT OF ED lowered your Credit Limit to {$45000.00}. 
Source : Experian XXXX : XXXXDEPT OF ED Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : ( XXXX ) XXXX Activity : Education Previous Limit : {$45000.00} New Limit : {$45000.00} 1 ) RE : ss # - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Request to Delete and correct information that is being reported inaccurately on my credit report that includes my being declined by the XXXX / XXXX of A because of various security breaches, and possible tampering with the information that has negatively impacted my credit scores, history, and overall rating. Please review the information, and please re-send information to the 2 creditors that ( may have ) received information that is inaccurate and or erroneous if not just wrong in reference to my fair credit reporting bill of rights. 
Thank You XXXX XXXX / XX/XX/XXXX Experian XXXX XXXX XXXX TX. XXXX Bank of XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Please be advised, I am hereby making a formal complaint about the inaccuracies that your agency, recently reported to XXXX XXXX XXXXXXXX XXXX 

The inaccuracies begin with : 1. The collection accounts : are in fact NOT collections and are covered under the Covid:19 PAUSE from the US Government XXXX 


2. The collection accounts that your agency is inaccurately reporting were consolidated in XX/XX/XXXX. 

Utilization of credit ( percentage ) The inaccuracy here is that your agency falsely Reported that I was utilizing 95 % of my credit line which is NOT true. On XX/XX/XXXX, my credit usage was below 55 % of my available credit. 


On XX/XX/XXXX your agency inaccurately reported my credit score to XXXX XXXX XXXXXXXX to be : 568 when your agency on the same day rated my score as : 607 on CreditWise which is your company affiliate. 

Nothing in your reporting of my credit history is accurate, as well the denial from B of A has caused a drop in my credit scores, I have an inquiry that did NOT result in a NEW line of credit, based on the inaccuracies and obsolete information that your agency is reporting on my Credit report/history. 

Because of this DENIAL OF CREDIT I would like to receive a FREE copy of my full credit report. 

I have attached a copy of the original letter of denial AND a copy of a utility to verify my residential address. 
Please DO NOT make excuses for delaying the process of correcting and DELETING the negative and inaccurate information that your agency is currently reporting that is causing financial harm and undue damage to the establishment of a solid financial base. 

Thank you for your time and attention dedicated to the resolution and updates to my credit report. I look forward to receiving my FREE credit report. 

Respectfully, XXXX XXXX XXXX XXXX : 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