Consumer complaint received 2023-04-03
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: Information is missing that should be on the report

Complaint:
XX/XX/XXXX I disputed a XXXX XXXX XXXX account with Experian Credit Reporting. Specifically it showed a " late payment '', when there was no late payment. As a result of the dispute, Experian said the information XXXX submitted was correct. However, I received a notification on XX/XX/XXXX ( see attached ) that they deleted a new auto loan account with XXXX XXXX, which showed on the XX/XX/XXXX report ( see attached ). I did not dispute the XXXX XXXX account, and it was in no way involved with the XXXX XXXX XXXX account. Regardless, strangely enough, the XXXX XXXX XXXX account no longer shows up as a closed account at all. The XXXX XXXX account which did show as an active account, was deleted and does not show up as a closed account. Experian shows the " hard inquiry '' for the XXXX XXXX account, as well as showing the XXXX XXXX account on the XX/XX/XXXX credit report, ( see attached ). However, in regards to the CFPB I filed on XX/XX/XXXX about the XXXX XXXX issue, Experian says : -- -- -- -- - " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachment. In your dispute, you indicate your credit report is not showing an account. You are requesting to have this account added to your report. Regarding adding the account, Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. '' -- -- -- - I am not asking to have some random information inserted on my report, I am asking for Experian to add back, information that they deleted, which I did not ask to be removed. I have attached a snapshot of my XX/XX/XXXX Experian credit report showing the XXXX XXXX account on my file. I have also attached a copy of my XX/XX/XXXX Experian CR which does NOT show the Education First account, even as a closed account. I have also attached the notice of Experian removing the XXXX XXXX account and a snapshot showing my XXXX XXXX account activity, as an active account. I verified in XXXX and again this morning, that XXXX XXXX IS SENDING the required information to Experian, as well as to XXXX and XXXX. Experian saying they don't add information at the request of the consumer, but only from companies that submit info to them, why did it show up originally, only to have Experian DELETE it. This issue is an entirely Experian error, not XXXX XXXX.

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