Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is failing to report one of my accounts on my credit file. My XXXX credit card should be reflected on my credit file, however Experian has failed to report this card since XX/XX/XXXX. Details regarding this account are below : In XX/XX/XXXX I became aware of 3 fraudulent charges that were made in XX/XX/XXXX on my credit card. Upon discovery I notified XXXX to dispute the charges, and filed reports with the Maryland State Police ( MSP ) and the Federal Trade Commission ( FTC ) for identity theft. I then also notified Experian of the fact that I was a victim of identity theft and requested that that Experian 1 ) Place an extended 7 year fraud alert on my credit file, and 2 ) Send me a copy of my credit report. A copy of this letter ( dated XX/XX/XXXX ) is attached. 

In XX/XX/XXXX I received a letter back from Experian informing me that they had applied the extended fraud alert to my file, as well as removed the affected credit card from my credit file. I had never requested Experian to remove the account from my file, as the card was, and still is, a legitimate card in good standing. Experian appears to be unable to distinguish the difference between a legitimate account with fraudulent charges, and a wholly fraudulent account. 

Since XX/XX/XXXX I have continually engaged with Experian in an attempt to have my account restored to my credit file. I have sent 5 letters to, and placed numerous calls with, Experian ; however they have refused to restore this account to my file. I have also engaged with the issuer of the credit card ( XXXX XXXX, and had them submit multiple reinstatement requests and letters to Experian stating that the account is open, current, in good standing, and should be reporting as a part of my credit file. A copy of one of these letters from XXXX ( dated XX/XX/XXXX ) is attached. 

In response to many of my requests, including my last correspondence in XX/XX/XXXX, Experian has informed me that other items disputed are not currently displaying on your personal credit report, see attached letter to Experian ( dated XX/XX/XXXX ) and their response ( dated XX/XX/XXXX, 1st page only ). Apparently Experian can not figure out that I am disputing the fact that the account is not displaying. 

I do not know how else to have Experian restore this account to my credit file, I have requested numerous times via letter and phone call to have it restored, had the account issuer submit a reinstatement request and tell Experian that the account is legitimate and in good standing and should be reported. I am now filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) in hopes that it will finally resolve this 2 year problem with Experian.

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