Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The purpose of this message is to address an error that was found in a credit report that your business provided. There is some concern regarding this finding because it is clear that credit reports have a big impact on future financial decisions. 
An extensive analysis revealed that the information appeared to represent the credit history incorrectly. The particulars of the account information raising this concern are as follows. Such an unfavorable situation is a source of uneasiness. 
Account : XXXX XXXX : XXXX, Inaccurate account on my credit report due to the way it's reporting. If It can not be verified, remove the data from the account immediately. 
Finding a mistake in a document that ought to accurately depict financial obligations and habits is unsettling. My unwarranted concern stems from the discovered discrepancy 's apparent falsity as well as its apparent detrimental effect on the credit score. 
Because of the possible consequences that this error could have, the situation is unsettling. One does not want to be carrying false information that could reflect negatively on creditworthiness. 
On the other hand, cooperation is thought to be able to resolve this problem and guarantee the accuracy of the credit report. It is hoped that this issue will be resolved quickly in anticipation of a prompt response and action. Resolving the error will serve to both guarantee that the credit score is reflected appropriately and to reinforce confidence in your company 's dedication to providing accurate and up-to-date information. 


Account : XXXX  XXXX : XXXX, Reported account is falsely on the credit report because of how it's reported, and it does not match other bureaus. The item need to be deleted. 
Keeping an eye on credit reports and financial statements is standard procedure for a watchful consumer. Something didn't seem quite right about the credit report that was discovered during a recent review. Investigating and fixing this error right away is necessary. 
Because of your organization 's dedication to truthful and unbiased reporting, I am putting my trust in your ability to promptly address this issue. In order to prevent the inadvertent error from adversely affecting the credit history or future financial opportunities, a response is expected within the allotted time frame. 


Personal Information : Inaccurate employee data on my report. I need action taken to fix the reported issue. 
As a careful customer, you would think that there is a rigorous procedure in place to verify the data that is shown in a person 's credit report. Remarkably, the report included data that was far from adequate. It becomes necessary to investigate this false information for the sake of accuracy and justice. 
In order to proceed appropriately, a respectful request is made to your team to carry out a thorough investigation into this matter. Considering how serious the situation is, it is expected that your team will finish the investigation and share the findings in the allotted time.

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