Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Reporting Companies, XXXX XXXX XXXX I have reviewed my credit reports and found that in regards to this account none of you all have it accurate. I have spoken with a supervisor at XXXX XXXX and he agreed to delete this account or update it to never late as it should be. Your willful non compliance with FCRA and FDCPA Laws that requires you to delete this account when there are so many inconsistencies and inaccuracies has severely hurt me and is about to make me and my XXXX XXXX homeless! I am begging you all to treat me with respect as a human and just be fair and admit that this account needs to be deleted! Each of you have reporting this account as verified before, both XXXX and XXXX deleted it for a month, then while I had my credit profiles unlocked it seems that you all saw that Experian still had the account then put it back. 

I am going to list a few of the inaccuracies and show you what each are reporting. 


XXXX and XXXX correctly lists this as an Installment Account, however Experian lists it as a Home Improvement account under real estate which is just outrageously wrong. This must be corrected immediately as it is causing serious issues that will leave me and my baby homeless! 

XXXX has the following dates as late, XXXX  XXXX ( 60 days ), XXXX ( 90 days ), XXXX ( 120 days ) then XXXX ( 90 days ) This is grossly inaccurate and its impossible to be correct. The previous investigator clearly lied and did not catch this error. This account must be deleted immediately from XXXX. 
There is no date of first delinquency because this account was never late. Again your reporting must make sense and be accurate, if not it must be deleted. You all keep failing so its time to delete. 

XXXX has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

Experian has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, The type of loan should be installment like the other two agencies report it, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

I have attached documents to show this. Please delete this account quickly this is severely harming my life. The account has been paid off in full and there is no reason for you all to keep this on my profile.

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