Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: TX
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:
The law requires me to have a FREE and accurate Credit Report, once a year. Experian has not updated my credit report since XX/XX/2021. When I went to view and print my FREE credit report, Experian is reporting incorrect account information as well as an incorrect FICO Score and inquiries ( Hard pulls ) that should have been removed. Also, the credit report on their website also shows incorrect account information, FICO  score and inquiries tht should have been removed. I have sent letters, attempt to call by phone several times, neither phone number listed offer live customer service, just a recording with options to order your credit report or assistance with credit freezes.I am trying to refinance my vehicle and I am unable to because Experian is reporting incorrect account information which we cause a denial of gredit. One account with the incorrect account balance that is really hurting my credit is a loan from XXXX XXXX XXXX XXXX that was paid in full back in XXXX of this year, however experian is reporting a balance owed of {$1300.00} and a 92 % Credit usage which has damaged my FICO Score. Also XXXX XXXX ( Car Loan ), experian is reporting incorrect account information as far as the balance owed. XXXX  XXXX although is only shows a {$6.00} balance, the account balance has been {$0.00}. XXXX and XXXX  is reporting correct account information and my Fico Score is at XXXX or above where as Experian with their incorrect account information, my FICO  score is at XXXX and has been at XXXX since XXXX. Also, I was attempting to contact Experian for possible fradulent account access, which I reported to the XXXX XXXX XXXX because Experian has some how gotten my XXXX  XXXX account number and has it stored on their server without my consent and my account was billed for a subscription I never ordered. Also is indicates on their website, I pulled my credit report which I hadn't. This is why I'm concerned that someone accessed my account on their website, orderad a subscription and pulled my credit report which could cause Identify theft. Experian has no customer service available to inquire about this. This could have been avoided if Experian had not stored my account number on their server where anyone without my consent, log into my experian account and order services that would automatically be charged to the credit number on their server. To prevent this, Experian should have a second verification process to verify user access. After discovering this, I had to cancel my credit card and have a new one issued which caused delays with my automatic payments for bills. Not only is Experian required to supply me an accurate credit report, they are denying me credit that I should be approved for, especially needed credit to refinance my vehicle. This is discrimination and Experian should be held liable for my denial of credit, employment, car insurance and any other denial where my credit report is pulled and used as a decision for approval. have attached screen shot of my credit report from Experians website to substaniate these statements.

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 non-monetary relief