Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NEW COMPLAINT : XXXX I HAVE SENT SEVERAL DISPUTES TO ALL XXXX MAJOR CREDIT BUREAUS TO DELETE THIS INACCURATE AND FALSIFYING INFORMATION. IT IS NOT BEING HANDLED PROPERLY EVEN AFTER ALL THE SUPPORTING DOCUMENTATION I'VE PROVIDED AGAINST THIS COMPANY. THIS COMPANY KEEPS REPORTING THE SAME BALANCE BACK TO ALL XXXX OF THEM. I HAVE REPORTED THIS COMPANY ONCE BEFORE TO YOU, I HAVE REPORTED IT TO THE ANTI-TRUST DIVIDION IN THE STATE OF NEW HAMPSHIRE ATTORNEY GENERAL. THIS COMPANY IS CAUSING ME MAJOR DAMAGES. ALL XXXX OF MY CREDIT SCORES HAVE DECREASED OVER XXXX POINTS SINCE THE BALANCE REPORTED. THIS COMPANY TRIES TO CLAIM THAT OTHER COMPANIES ON MY REPORT COULD BE RESPONSIBILE. WHAT A LIE. THESE CREDIT SCORES DIDN'T DROP UNTIL YOU REPORTED A BALANCE. I HAVE A CREDIT MONITORING SOFTWARE WHICH EXPLAINS TO ME WHY MY SCORE DROPPED AND IT HAS TOLD ME REPEATEDLY BECAUSE OF THIS COMPANY. THIS COMPANY IS A LIAR. ITS DESPICABLE AND FOUL. ITS CAUSING ME SEVERE DAMAGES. I AM LOOKING BAD NOW TO LENDERS. I HAVE PRE APPLIED FOR CREDIT CARDS AND ALL HAVE BEEN DENIED. THIS COMPANIES LIES AND ILLEGAL ACTS ARE CAUSING ME FINANICAL HARDSHIP AND INSTIABILITY. THIS COMPANY NEEDS TO BE HELD ACCOUNTABLE!!! I HAVE SEVERAL MESSAGES FROM XXXX  AGENTS SAYING THEY ARE LOOKING INTO IT, GOING TO CORRECT IT, SENDING IT TO ESCLATION TEAM, SENDING IT TO DISPUTE RESOLUTIONS TEAM. ALL OF THESE AGENTS HAVE SIGNED THEIR NAMES ON THESE MESSAGES AND NOTHING HAS BEEN DONE!!!! THIS COMPANY IS STALLING. IT DOESN'T WANT TO FIX MY LITERAL CONSUMER COMPLAINT. ITS UNPROFESSIONAL. THEY ARE TRYING NOT TO BE HELD LEGALLY LIABLE FOR THEIR ILLEGAL ACTIONS!!!! SOMEONE HAS TO INVESTIGATE THIS ISSUE AS SOON AS POSSIBLE AND START AN INSIDE INVESTIGATION INTO THIS COMPANY. NOT ONLY DOES IT LIE ON CREDIT REPORTS, IT ALSO FALSES ADVERTISES ABOUT ITS CREDIT BUILDING FEATURE. IT CLAIMS THAT YOUR CREDIT SCORE WILL INCREASE IN A FEW MONTHS YET MINE IS BEING DAMAGED BY YOUR INACCURATE AND FALSIFYING INFORMATION AND ILLEGAL ACTIONS VIOLATING FEDERAL LAW UNDER THE FEDERAL CREDIT REPORTING ACT??? 


Here are supporting documents for my XXXX XXXX XXXXXXXX XXXX  XXXX XXXX These documents include my account statements that are obviously saying I had money in my account before the end of the month in which XXXX XXXX XXXX TOLD me they report negative balances on the XXXX of the month. It also shows that my payments are automatically taken out using the XXXX XXXX XXXX. FEATURE " Safe Credit Builder ' feature and I have included documents that prove that I have always had this feature enabled since I applied and received my secure visa credit card. XXXX XXXX XXXX XXXX XXXX is committing illegal acts by providing credit bureaus with inaccurate and falsifying information about balances owed on my credit report, a crime that violates federal laws under the Fair Credit Reporting Act. XXXX XXXX XXXX keeps making excuses, sympathy comments, saying they'll fix it but then they send automated msgs stating that this information is accurate despite all my documentation but refuse to provide me with their supporting documentation? Obviously by what I upload it will be clear to you that all payments are up to date, no balances owed and automatic payments enabled. 


Secured Credit Card bank name : XXXX XXXX XXXX XXXX  ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY XXXX CREDIT REPORT BY XXXX XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY XXXX CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE XXXX BALANCES WERE REPORTED TO TRANSUNION BY XXXX XXXX XXXX XXXX XXXX XXXX WITHIN LESS THAN XXXX WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO XXXX, THEY'RE ALSO REPORTING IT TO XXXX AND EXPERIAN HERE IS A MESSAGE I SENT XXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. Chime has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in XXXX weeks. I am very XXXXXXXX XXXX  unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXX XXXX XXXX  reviews, going to make a complaint to BBB and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES

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