Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS ( not true ) paid off in XXXX Balance details 65 % ( not true ) of this account is paid off no ( 100 % ) it was paid off in full paid. They are still reporting wrong, they will not change it they keep reporting late payment. they have never sent the title in mail. still wants me to pay for a car that's been paid for in full paid off. ask for the statement and keep blanking out the paid for statement. that's on file. Balance {$8600.00} on XXXX XXXX, XXXX Original loan amount {$25000.00}. wrong. I need a refund for full amount because I am repaying this car over and over again. Status Current, was past due 90 days Terms 75 Months ( not true ) wrong information. Statements **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. Paid in full Contact info Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX XXXX XXXX Balance details Balance on XX/XX/XXXX - Original loan amount {$25000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX still reporting Account type Auto Loan I want it deleted Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Additional info Responsibility Joint Account Terms 76 Months Company sold - Original creditor XXXX XXXX XXXX Total balance : {$95000.00} DEPT OF EDUCATION/XXXX XXXX {$3600.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATIONXXXX XXXX {$990.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATION/XXXX  XXXX {$9000.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATION/XXXX Balance {$1800.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATION/XXXX XXXX {$4600.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATION/XXXX XXXX {$5700.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATIONXXXX XXXX {$7400.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATIONXXXX XXXX {$4700.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATIONXXXX Balance {$8700.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATION/XXXX Balance {$5700.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATIONXXXX Balance {$8300.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATION/XXXX Balance {$15000.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATION/XXXX Balance {$5600.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATION/XXXX Balance {$1400.00} Updated on XXXX XXXX, XXXX DEPT OF EDUCATION/XXXX Balance {$11000.00} Updated on XXXX XXXX, XXXX all of the student loans payments are paid in full. 

34inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX INDE Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX I never applied for anything of these companies .reporting wrong 37 inquires on all three credit bureaus but I have so many inquires 37 count ; please remove delete inquires all thanks. 
I had to lock it because of the reporting of wrong items. 






XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX details 0 % of this account is paid off Balance on- {$63.00} Original balance {$63.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score XXXX. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status date XX/XX/XXXX wrong paid for Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number By mail only XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous Reptg. Agencies Contact info Address - Phone number never applied wrong XXXX - CARD SERVICE Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXXXXXX XXXX XXXX XXXX 
Contact info Address - Phone number never applied XXXX  Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Original loan amount {$120.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX reporting wrong take off delete Additional info Responsibility Individual account Terms 6 Months Company sold - Original creditor - Comments Closed Statements No statements Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type XXXX XXXX  bankruptcy discharged Court U.S. Bankruptcy Court reporting wrong discharged XXXX reporting wrong items all three bureaus to hold me back have disputed items that are still revolving when all accounts are paid in full. 













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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