Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: IN
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:
I have actively been trying to correct incorrect reporting by Experian since the beginning of this year. Initially, they had my auto loan reported twice : once correctly ( paid in full, as agreed, and closed in XX/XX/XXXX ) and once incorrectly ( XXXX in bankruptcy in XXXX ). My initial call, I told them that the only thing they needed to do to correct this was to remove the account report that referenced bankruptcy. They did that, however, that caused the previously correctly reported account to suddenly be reported as an open account. Their response has consistently been to repeatedly dispute this account, which goes nowhere because the creditor verifies they are reporting correctly and will not change anything ; I know the issue is not with the creditor because Experian is the only bureau that has not been able to report this correctly - all 3 other bureaus have always reported it correctly. XXXX XXXX even went so far as to say they would fax them the information if I could get a fax number. Most recently, on XX/XX/XXXX, they gave me a case number stating that on their back end, they can see that the account is closed and paid in full as of XXXX, but I indicated that is not how it shows when I pull my own credit and I need to be sure that a creditor that pulls my credit gets the accurate information. The rep had the audacity to tell me that, while a creditor may see what I see, there is a chance they will also see what Experian sees. This is the blatant disregard this company gives to credit reporting that controls most of our lives and I can not believe they are even allowed to continue to report something as important as credit. I personally see every single time I have called this year and this has not been resolved as a willful violation of the FCRA and this company needs to be charged the {$2500.00} fine per willful violation. Yet again, I have called again today and they can not seem to determine which dept ( disputes or customer care ) should be handling this. After being on hold for 25 minutes, my call has been disconnected and I am calling AGAIN. I am continuing to be told by disputes that customer care needs to resolve this, and customer care keeps trying to send me to disputes. They are telling me that I need to check the 3rd party credit reporting site to get the accurate information. What is the point of an Experian site if they can not guarantee the accuracy of what is being reported and how are any of us to know where a creditor is pulling our credit from to determine that it is accurate information? The fact that this company is allowed to report credit at this point is beyond me ; they should be shut down and replaced with a company that will actually take this job seriously. I began this process on XX/XX/XXXX and I am still trying to get this same issue resolved as of today, XX/XX/XXXX and I am being told to check this on XXXX XXXX XXXX XXXX. This is infuriating. The most recent dispute agent left copious notes under a case number for me to provide to the membership services team so they could understand why their dept needed to correct the issue. As soon as I was connected to Membership Services, I offered to give him the case number so he could read these notes and he put me on hold, only for my call to be picked up by another representative. When I asked what dept he was in, he stated Disputes. This is UNACCEPTABLE that they can not take 3 minutes to even review notes to determine what needs to be done because it is much easier to transfer a call instead of just dealing with it, which is what they are paid to do.

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