Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: CA
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:
Experian credit reporting I pay for credit monitoring since divorce and ID theft in XXXX Since XXXX I have been rebuilding the last 2 years I have a XXXX  card that was charged off XXXX on my credit and has been on my credit during my whole rebuilding process As of XX/XX/XXXX my score was XXXX which was just raised XXXX points XXXX XXXX because of lower balances on credit cards I did a dispute with Experian the beginning of XX/XX/XXXX to clear mis addresses phone numbers I also disputed the XXXX account that was on my credit as charged off as of XXXX and like I said this account has been on my credit it was still showing on my credit even when I just had XXXX XXXX XXXX just XXXX XXXX XXXX Showing charged off I disputed the amount of the XXXX card charge off because the amount of the charge off was incorrect and part of it was due to fraud because of my ex-wife Being with the files so old and it was really affecting my credit anymore it didnt matter if it was recording correctly or not it was just the principal When Experian updated my report last night XX/XX/XXXX They updated all the payments now this charge offs looking like it just barely got charged off in XX/XX/XXXX instead of XXXX it dropped my XXXX score by XXXX points looking like a recent charge off as of yesterday I called Experian and they will do nothing They said its been reported correctly but if you look at my credit report its looking like I had a charge off every month since XXXX reason being the credit score dropped almost XXXX points I cant make the customer service advocates at Experian located in foreign countries Finally getting a us agent and They are not getting the problem This XXXX account has been reported charged off during my whole credit rebuilding process as a derogatory accounts. As of XXXX yes it has a negative impact but nothing like this since they updated it yesterday like I said if you look at my credit report it looks like I have a charge off every month since XXXX dramatically dropping my score XXXX points please help me with this the charge off his old even on Experians website it says I charge of kinetic negatively impact your credit but after Time goes by itll less impact I even stated their own website consumer printing to them and they keep giving me a bunch of excuses I can see new reports as of XX/XX/XXXX my score with the charge off on my credit went up XXXX points because I paid off a credit card after they updated the XXXX  card because I disputed the amount of charge off Im not sure why I did it was mainly principal the XXXX card I had was close in XXXX my ex-wife re-opened it after our divorce charged thousands of dollars and then never paid it I got sick of fighting with XXXX they would do nothing to help me unless I press charges against my ex-wife which had custody of my children which was not gon na happen when I got sick so I just let it go and read my a lot of time to start rebuilding my credit please help me with this experience should not be the brightness is a current charger off

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