Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: AL
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 decided to contact each creditor to get debts verified and to ensure everyone is reporting accurately. Here are my findings. You have incorrectly reported account information on my credit report, and I demand it be deleted after being reported incorrectly for four years and being told they were verified and reporting accurately by date furnish. There are no way all three credit reports are right and are using the same data furnisher. 

XXXX XXXX- ( XXXX ) XXXX XXXX  XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on timeXX/XX/2022 Also, they sent a payment statement ( attached ) that shows onXX/XX/2022, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made onXX/XX/2022. XXXX is reporting 7 late payments. According to the Principal & Interest statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE XXXX XXXX FOR REPORTING INACCURATELY! 

XXXX XXXX  ( XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting XXXX late payments. According to the Principal & Interest statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE XXXX XXXX FOR REPORTING INACCURATELY! 
XXXX XXXX  ( Experian ) Per XXXX XXXX  responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My Experian shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my Experian it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. Experian is reporting 22 late payments. This account was charged off XX/XX/XXXX, which is stated in letter attached. Experian is still reporting late payments after XX/XX/XXXX. According to the Principal & Interest statement only 3 payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and Experian is reporting {$11000.00}. PLEASE REMOVE XXXX XXXX FOR REPORTING INACCURATELY! 
XXXX XXXX ( XXXX ) This account was opened XX/XX/XXXX, according to XXXX XXXX. ( see attached documents ) XXXX has been reporting incorrect opening dates and closing dates. This account passed the seven-year mark since delinquent date in XXXX and is required by law to be removed. 
XXXX XXXX ( Experian ) This account was opened XX/XX/XXXX, according to XXXX XXXX. ( see attached document ) Experian has been reporting incorrect opening dates and closing dates. This account passed the seven-year mark since delinquent date in XXXX and is required by law to be removed. 


XXXX XXXX XXXX ( XXXX ) This debt is reporting incorrect open date and balance per responds from XXXX XXXX. ( proof attached ). PLEASE REMOVE XXXX XXXX XXXX FOR REPORTING INACURRATLEY. 

XXXX XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( proof attached ) The status show discharged in bankruptcy or included in bankruptcy. The balance is incorrect. XXXX is still reporting XXXX late payments. The pay history is being reported inaccurately. PLEASE REMOVE XXXX  XXXX FOR REPORTING INCORRECTLY. 

XXXX ( Experian ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( proof attached ) The status should not show closed or charged off It should show discharged in bankruptcy. The balance is incorrect. Balance should be XXXX. The creditor is reporting this account as disputing. XXXX is reporting XXXX late payments, other bureaus are reporting XXXX late payments ( XXXX ). PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY. 

XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) The status should not show closed or charged off It should show discharged in bankruptcy. The balance is incorrect. Balance should be XXXX. The creditor is reporting this account as disputing. XXXX is reporting XXXX late payments, other bureaus are reporting XXXX late payments ( Experian ). PLEASE REMOVE XXXXXXXX XXXX  FOR REPORTING INCORRECTLY. 

XXXX XXXX ( Experian ) Per XXXX XXXX responds ( attached ) the account open date is incorrect. Experian is reporting XXXX late payments and XXXX is reporting differently. How are XXXX late payments being reported if this account was charged off XX/XX/XXXX according to XXXX? PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY. 

XXXX XXXX ( XXXX ) Per XXXX XXXX responds ( attached ) the account open date is incorrect. XXXX is reporting differently than Experian. XXXX is reporting XXXX late payments. PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY. 




XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. The balance is incorrect. PLEASE VERIFY OR REMOVE XXXX XXXX FOR REPORTING INCORRECTLY. 

XXXX XXXX ( Experian ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. The balance is incorrect. PLEASE VERIFY OR REMOVE XXXX XXXX FOR REPORTING INCORRECTLY. 

XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. The balance is incorrect. PLEASE VERIFY OR REMOVE XXXX XXXX FOR REPORTING INCORRECTLY. 



XXXX XXXX ( Experian ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) Experian is still reporting late payments on this debt. PLEASE REMOVE XXXX XXXXXXXX XXXX FOR REPORTING INCORRECTLY. 
XXXX XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) The status should show discharged in bankruptcy or included in bankruptcy. PLEASE REMOVE XXXX XXXX XXXX FOR REPORTING INCORRECTLY. 



XXXX XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. 

XXXX XXXX XXXX ( Experian ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. 



XXXX XXXX XXXX  ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. 

XXXX XXXX XXXX ( Experian ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. 


XXXX XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) The status should show discharged in bankruptcy or included in bankruptcy. The balance is incorrect. PLEASE REMOVE XXXX FOR REPORTING INCORRECTLY.

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