Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
Experian Issue I received a statement addendum, dated XX/XX/XXXX, again, this year, from XXXX informing me that they were reducing my credit limit by, this time, {$500.00}. XXXX Last year it was {$1000.00} XXXX. 

[ From the XXXX Statement XXXX Your current report reads : SERIOUS DELINQUENCY RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED On Nordstroms statement I was invited to contact the agency directly. 

When I called the number given for Experian : XXXX, there was no live person to discuss their blunder. I was referred to XXXX. 
I called XXXX. The young man I talked with said they adhered to the information provided by EXPERIAN, and referred me back to EXPERIAN. He also checked my account and found no problem. 

There seems to be no responsible humans at Experian, only telephone robots available. 
The reality, which they dont seem to care about is that : In early XXXX, I realized that just to live modestly on my income from Social Security, I was over using credit cards and running up balances I could not deal with. 

I submitted most of my cards to XX/XX/XXXXwhich looked to be the most reputable organization in class. Since then, they have settled with XXXX XXXX, XXXX and XXXX XXXX. 

They have yet to settle with XX/XX/XXXXand XX/XX/XXXX. I have no control over these balances. Understand that I have done everything in my power to be responsible. 

I have 2 older cards that remain active : XXXX and XXXX. Please check with them and verify that I commonly pay over the amount due before. the cutoff deadline. I HAVE NOT BEEN DELINQUENT WITH ACCOUNTS FOR WHICH I AM RESPONSIBLE. And I am working to lower my balance. As you know, if one is not wealthy, interest rates are obscene. 

The Experian report doesnt have much relationship to reality. I think the robots are also XXXX. 
I am working to clean up my financial relationships, and wish to re-establish a positive credit score. 

RE : The report : 1. SERIOUS DELINQUENCY. -- -XX None XX 2. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. -- -XX Questionable XX 3. NUMBER OF ACCOUNTS WITH DELINQUENCY. -- -XX None XX 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. -- - XX None XX This report has caused a reduction in my credit line and maintaining a low credit score. 
The Experian report is irresponsible and causing me financial damage. 

And finally, I stumbled upon your websitegiving me hope of restoring my credit and credibility. ( I have no idea what the other two agencies are reporting XXXX Please check my history and demand Experian Adjust my report. 
I need a copy to present to XXXX XXXX or perhaps you can correct.. )

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