Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: TX
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:
I have reached out to XXXX XXXXXXXX XXXX XXXX and Experian Information Solutions Inc. by Phone, certified mail, and email regarding the inaccurate information and missing information in my balance history in my credit file with XXXX XXXX XXXX XXXX. I have been trying to get the inaccurate and the missing information correct, since XX/XX/2020. I am extremely appalled by how the investigation has been handled. I have filed five disputes with Experian Information Solutions Inc. regarding the inaccurate information within my credit file with XXXX XXXX XXXX XXXX and every single time the results that have come back stated that the data was updated and is completed. But, the information has not been corrected nor updated!!! In the meantime, I kept losing points on my credit score due to filing a dispute.

I have gone back and forth between XXXX XXXX XXXX XXXX and Experian Information Solutions Inc., both keep giving me different information. XXXX XXXXXXXX XXXX XXXX has shared that they send out payment information monthly to all three credit bureau. Experian Information Solutions Inc. are sharing they are not getting the information. Instead of correcting my credit file, they keep blaming the other. 

I have never been late on my installment loan. All the inaccuracies started in XX/XX/2020 of last year. Within the balance history on my credit report with Experian Information Solutions Inc. for my account with XXXX XXXX XXXX XXXX, there are six ( 6 ) months missing and for some of the months that are listed, it shows I paid {$0.00}. I have provided payment to Experian Information Solutions Inc. but they stated that the information has to come from XXXX XXXX XXXX XXXX. I have submitted proof that shows these inaccuracies to XXXX XXXX XXXX XXXX and I was told that they have sent the information but they can not make Experian put the information into their system. This is the information from Experian If your creditor reported your account balances to us, we list them in this section as additional information about your account. This section includes the scheduled payment amounts, amounts actually paid, and the dates those payments were made. This has not been done!!! 

The payment history is correct but it is my balance history that is not correct. There are figures missing out of the equation within my balance history that make a big difference when it comes to your credit score. I have lost 39 points due to the missing information within my balance history. 

I really did not want to file a complaint against Experian or XXXX XXXX XXXX XXXX  with the Consumer Financial Protection Bureau but it is affecting my credit score.

Please see attachments 1 and 2

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