Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please explain to me how a credit card from XXXX XXXX I acquired from XXXX or XXXX in XXXX accounts for inquiries in XXXX? Please explain to me how a creditor who I no longer have credit with can inquire or request information from my credit report. Your company has been making false updates on my reporting which is against the law. If a judgment was placed on my account in XXXX and account opened after the fact shouldnt relate to a bankruptcy or judgment. I have an account currently with XXXX that you have placed comments about a bankruptcy that was reported in XXXX yet my account with XXXX was after the judgment was placed as a new account. Im asking that you update the correct verbiage and remove inquires that has nothing to do with a judgement placed on my report in XXXX that you all have yet to verify! You can not provide anything in writing that states where you verified a judgment thats true for my given social security nor name. The inquiries from XXXX XXXX and XXXX needs to be removed immediately due to poor judgment and lack of verifying on your companys end. Its no reason to send a long passage that has nothing to do with my request. I will be seeking legal action due to misleading information on my report that is being reported by Experian. 

The bankruptcy was reported XX/XX/XXXX and closed XX/XX/XXXX according to my report with Experian - yet you are telling me that creditors like XXXX XXXX and XXXX is accurate and verified even though the inquiries were reported in XXXX and XXXX? Doesnt sound like it was verified to me especially since I have no opened account with neither creditor nor tried to get credit from any one of the creditors. Also you are reporting my XXXX as a bankruptcy discharge when the account was opened XX/XX/XXXX and was last reported in XXXX. If the account was a bankruptcys account why would the account have payment history from XXXX to XXXX. Im more than positive if the account was included in a bankruptcy- the account would have been apart of the discharged that is reporting from your company that hadnt been verified. I ask you to immediately update my credit profile and to remove all falsely information now!!!! 

Experian please explain Account XXXX XXXX I have attached an copy for review How it is that you all are reporting my last payment XX/XX/XXXX and the account with XXXX XXXX opened until XX/XX/XXXX How can you update comments with bankruptcy verbiage if a bankruptcy account was added initially to my credit profile with you all XX/XX/XXXX. 

Also how can this verbiage be right- when my last payment info was in XXXX This goes to show that the verification is not being done properly nor are you investigating my request effectively! Please remove the inquiries from XXXX XXXX and syncb that was made in XXXX and XXXX. I have not had any accounts with either bank and the accounts you are reporting with those given creditors was back in XXXX, so please explain how any of the inquiries I am disputing is accurate. 

Im requesting the the inquiries, judgments, and falsely commented accounts be removed. You have went against my right as a consumer and its not only not morally right but it questioned how many others are being affected by your company poor judgment process

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