Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: PA
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:
I have inaccurate credit history reporting even after I tried to have it fixed, for the 3 credit bureaus XXXX, XXXX, and Experian. 

The first one is the account XXXX XXXX XXXXXXXX which had shown a payment made in XXXXXXXX XXXX  XXXX for XXXX, even when the account was created on XX/XX/XXXXXXXX XXXX  XXXX, there was no payment made in XXXX. Both XXXX and Experian show the first payment for this account as being in XXXXXXXX XXXX  XXXX, not XXXX, unlike XXXX. For XXXX XXXX XXXXXXXX there are even more issues. For Experian and XXXX the status was last updated in XXXX XXXX however, for XXXX , it shows that the balance and status were last updated XX/XX/XXXX, and on the payment summary, it is being shown as fully paid through XXXX. This credit report is inaccurate and is harming my credit. All late payments and delinquencies should be removed. The accounts are named the following for Experian it is XXXX XXXX XXXX for XXXX it is named XXXX XXXX XXXXXXXX XXXX and for XXXX , it is named XXXX 

According to the credit report, there are several inaccuracies regarding an account named XXXX for Experian and XXXX for both XXXXXXXX XXXX XXXX. There are 6 reported late payments and 7 with the last one being a CO for Experian and balanced updated as of XX/XX/XXXX. For XXXX it is being reported that there is 1 late payment in XXXXXXXX XXXX XXXXXXXX and balances was updated as of XXXX, For XXXX , there is no payment summary with the balanced updated as of XX/XX/XXXX. The Contact info doesn't match across all 3 credit bureaus. This credit report is inaccurate and is harming my credit. All late payments and delinquencies should be removed. 

The credit report for the account in question is named XXXX XXXX XXXX for Experian and XXXX, while it is called XXXX XXXX XXXX for XXXX. For Experian, the balance was last updated on XX/XX/XXXX, and a 30-day late payment was on XX/XX/XXXX, The account type was listed as Secured Credit Card with credit usage unavailable. For XXXX, the balance was updated on XX/XX/XXXX, and payment history is paid through even from XXXX without a missed payment, the account type is listed as Revolving, and the credit limit was {$500.00}. XXXX the balance was updated XX/XX/XXXX, and a 30-day late payment in XXXX XXXX XXXXXXXX, the account type is listed as a Revolving account with a {$500.00} credit limit. There 3 credit bureaus do not match at all in this case. This credit report is inaccurate and is harming my credit. All late payments and delinquencies should be removed. 

XXXX for Experian and XXXX, and named XXXX  XXXX. for XXXX is another inaccurate reported credit report on my account and does not match through all 3 credit bureaus XXXX, XXXX, and Experian. The account type is listed as " revolving '' for both XXXX and Experian. In contrast, for XXXX it is listed as a " Charge card '', The status, not the balance was updated on XX/XX/XXXX for both XXXX and XXXX while for Experian it was last updated in XXXX XXXX XXXX. There is one 30-day late payment in XXXXXXXX XXXX XXXXXXXX. There should be no inaccurate reporting through the 3 credit bureaus. All late payments and delinquencies should be removed.

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