Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX Email XXXX I would like to make a report against XXXX XXXX XXXX XXXX, XXXX XXXX and three Credit Reporting Agencies XXXX, XXXX and Experian XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX Receipt Order Number Product XXXX 3-Bureau Credit Report and Scores Date Range XX/XX/XXXX - XX/XX/XXXX Price Sales Tax {$29.00} {$2.00} TOTAL {$32.00} Payment Method Amount Billed creditCard {$32.00} Order Number Product XXXX XXXX Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/XXXX - XX/XX/XXXX Price Sales Tax {$24.00} {$2.00} TOTAL {$27.00} Payment Method Amount Billed creditCard {$27.00} While I have paid them for at least three months So that I could check my reports, and to be sure I was getting the information From the source before I filed this complaint. 

All during the pandemic since XXXX and Now XXXX, Experian, and XXXX have not been reporting the correct balances on my credit reports. It has caused adverse effects on my ability to obtain loans at lower interest rates and or credit cards with higher rates. I was turned down for loans because they were reporting higher balances than I actually owed, including the Mortgage Account. 

I had contacted XXXX when this started happening in XXXX and in XXXX. Then again in XXXX only for them to tell me it was not them. It was the Banks and so on. Afterwards they placed remarks on my credit report saying that the accounts had been disputed. This effected my score as it then looked like the accounts had been behind due to a dispute. I specifically asked them not to place any remarks on my credit file. They were not updating some of the accounts as they should. At first I called for instance XXXX XXXX XXXX due to the fact that it looked as though I had not made a payment on my car in 3 or 4 months when In fact I had made car notes aheadXXXX XXXX XXXX XXXX assured me that they were in fact reporting to them on a monthly basis. Then I believe I contacted your office. In regards to this. Afterwards my credit file was updated. Now for the last 8 or 9 months the same thing is happing again only now with all three of the credit bureaus. I do not know at this point who is doing what. However I know when I called all three creditors they all tell me that they report every month to the Credit bureaus. The Credit Bureaus claim they are only reporting the information being provided to them by the creditors. It is like a merry go round. I have spent hours on the phone with all of these Companys trying to get them to correct the miss information they continually report. Right now they are showing the last payment I made on my car note was in XXXX My correct balance is XXXX  and something they are all showing I still owe XXXX  and something that is a big difference. Its not the only account they are doing this to. So they have been keeping my account balances higher than they actually are. 
This has greatly impacted my credit worthiness and has caused me to pay higher interest rates it has hindered my ability to ask for a higher line of credit or a lower interest rate. One of my creditors said My score was being held down because I had not paid my mortgage account down sufficiently which was not the case. It was not being reported correctly. I have been sick with XXXX XXXX and have been not able to return to work for the last three weeks. While I have not fallen behind on any of my payments. I have had to rely on my sayings. However it would have been nice have maybe been able to apply for a new credit card or take out a loan in order to consolidate the high credit card interest that I have been forced to pay because of their inaccurate reporting. 
I have spoke to XXXX numbers times and have Asked them over the phone and in writing to remove all phone numbers and addresss they are reporting on my credit file They have not done so. This is the same case with Experian and XXXX none have removed the addresss which are not mine. My only address is the one that is given in this complaint I am submitting today. 

I would greatly appreciate any assistance From your Office to Address this matter. 

Sincerely, XXXX XXXX

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