Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing regarding errors that appear on my credit report. It is my understanding that you must provide a complete and accurate account of any tradelines that you are reporting. However, there are several pieces of missing information that are adversely impacting my credit score. I have outlined below, in detail, what is missing. As a result of several missing payments, the date of first delinquency is not reporting. Therefore, the estimated date of removal is not calculating correctly. The date is being calculated based on the charge off date. However, the date should be calculated based on the first time the account went delinquent and never resumed positive status. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge of XX/XX/XXXX. 

XXXX. XXXX Date Open : XX/XX/XXXX Payment History Missing : Entire payment history is missing. 
The entire payment history is missing. 

XXXX. XXXX XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : Entire payment history is missing The entire payment history is missing. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 


XXXX. XXXX XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX. 
The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

35 % of my credit score is my payment history. On each of the accounts listed above, several years of positive payment history were erased. Additionally, 15 % of my credit score is average age of accounts. Although the date opened is listed correctly, the account age appears to be significantly shorter than it is by redacting several years of history. 

The number of times that I have disputed these accounts to have them come back as confirmed reported accurately is excessive when the errors are blatant.

Company response to consumer: Closed with explanation