Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
State: VA
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:
My Experian credit report is incomplete ( e.g., missing major creditors and accounts, truncated history ). My credit score is generally in the mid to low XXXX. I have had credit cards or mortgages for 30-35 years. Experian 's under-reporting of my credit history has harmed my ability to validate my credit worthiness ( establish public utility account ) and validate my identify ( IRS ). 

In early XX/XX/XXXX, I a ) failed a credit check while attempting to establish a utility account at XXXX XXXX of Virginia for a rental property I own and b ) failed an IRS personal validation process when the mortgage/credit card account information I provided was not found in my Experian credit report. 

For the XXXX XXXX request, I was required to pay upfront to establish the service. For the IRS account creation, I was told to wait 24-hours and try again. I did and I failed again although I account information for my primary mortgage and my primary use credit card. Information on the IRS site explained that they validated information against Experian credit report content. 

On XX/XX/XXXX, I requested and received credit reports from XXXX ( 30 pages, 12 open revolving accounts and mortgages ), XXXX ( 60 pages, 14 open revolving account and mortgages ), and Experian ( 4 pages, 2 open revolving accounts and no mortgage accounts ). 

The XXXX and XXXX accounts reflected my 30 year credit history while the Experian report failed reflect hardly any of my credit history including but not limited to any mortgages, credit card, store cards, etc. 

On XX/XX/XXXX, I called Experian 's customer service number ( waiting on hold for almost 2 hours ) before speaking to someone. I shared the information that I have included here. The customer representative suggested that my creditors ( which include XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) had not reported to them. She stated that the 2 open and 1 closed accounts listed in my report reflected everything that had been reported. 

During the conversation, I explained to the rep that Experian has more information than they have presented in my report. Before generating the report, each agency ( including Experian ) generated 3-4 questions that I had to answer before they would present the report. The questions were based on information contained within one 's credit report. One of the three Experian questions was related to the monthly payment for XXXX mortgage on a rental property. That mortgage, or any of my four mortgages, does not show up on my XX/XX/XXXX Experian credit report. Note : All my mortgages show up on my XXXX and XXXX  reports. 

She asked me if I had contacted all my creditor to ensure they report to Experian. I explained I had not. 

Since that time I have communicated with XXXX ( e.g., credit cards and home mortgage ) and they informed me that they report to all three credit bureaus similar to all large national creditors. 

The call to Experian ended with the customer service rep telling me that their files were accurate and there was no need for action on their part.

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 non-monetary relief