Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: FL
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:
1- Old information reappears or never goes away : XXXX account showing a balance due and disputed since XXXX and they keep updating the information as new ( XX/XX/XXXX) 2- Account status incorrect ( showing delinquent account when it's not ) - Experian and XXXX XXXX XXXX  balance is incorrect. XXXX XXXX  has system issues ( canceling my payments and charging me recurrent late or duplicate fees ), the customer service managers do not want to contact me to solve this issue, and when I tried for the past 4 months to resolve this issue, they said that they were going to fix the account balance but they never do anything ( they only gave me 1 credit for a duplicate charge and a " courtesy credit '' which is not correcting and fixing the balance ). XXXX XXXX  is incorrectly reporting this balance in my Experian account as delinquent when it has been paid as agreed in the contract with XXXX XXXX {$29.00} per month, including taxes and XXXX XXXX  ). 

XXXX phone was returned and I never received a refund. 

3- Problem with a credit reporting company 's investigation into an existing problem- Experian does not solve the incorrect balance and old information reported in my account. On the contrary, it keeps been updated as new XXXX XXXX XXXX and the incorrect balances are not properly investigated and resolved, even though I provided all the evidence XXXX XXXX repairs, contract, email/communication/chats, transactions history, screenshots of payments, and history of the account disputes. 


4- Improper use of your report : Experian provided my report to XXXX when I requested a business credit card. I was misled by XXXX about the transaction that it was a business transaction ( a credit card for my business not personal ) and I disputed the hard inquiry on XX/XX/2020 because it lowers my FICO  by 74. XXXX said that it did not lower my score by 74 points and when I tried to solve the issue with Experian nobody provided any answer about why my XXXX  score decreasing by 74 points with that Hard inquiry on XX/XX/2020. I do not have higher debts or any hard inquires that could lower my points by 74. Experian did not want to provide me with details or any answer about my XXXX. My XXXX  was excellent XXXX and it keeps going down since that day ( XX/XX/2020 XXXX and I do not have additional debts, I do not have delinquent accounts, I paid my credit cards, I sold one car ( decreasing my debts/income ratio ) and my debts are not increasing, on the contrary, they are decreasing ( I paid my credit cards ). I only have 1 credit card - a XXXX XXXX  - XXXX XXXX  and my lease, nothing else as debt. 

5- Unable to get your credit score details - I disputed the hard inquiry on XX/XX/2020 because it lowers my XXXX  by 74. XXXX said that it did not lower my score by 74 points and when I tried to solve the issue with Experian nobody provided any answer about why my XXXX score decreasing by 74 points with that Hard inquiry on XX/XX/2020. I do not have higher debts or any hard inquires that could lower my points by 74. Experian did not want to provide me with details or any answer about my XXXX  My XXXX  was excellent XXXX and it keeps going down since that day ( XX/XX/2020 XXXX and I do not have additional debts, I do not have delinquent accounts, I paid my credit cards, I sold one car ( decreasing my debts/income ratio ) and my debts are not increasing, on the contrary, they are decreasing ( I paid my credit cards ). I only have 1 credit card - a XXXX XXXX - XXXX XXXX  and my lease, nothing else as debt.

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