Consumer complaint received 2019-02-03
Company: Experian Information Solutions Inc.
State: TX
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 Credit score has been compromised by three companies, XXXX, XXXX, and Experian. The four criteria are : You have too many inquiries on your credit report. 
I searched for the best rates and conditions when buying a house, isn't that a positive action for credit score? 

Your largest credit limit on open bankcard or revolving accounts is too low. 
Excuse me but isn't this a less responsible action than limiting the amount I can be responsible for? 

The balances on your accounts are too high compared to loan amounts. 
Well, I just bought a home with 20 % down and am being penalized for having a mortgage? 

The date that you opened your oldest account is too recent. 
That account was opened in XXXX, 35 years sorry XXXX wasn't my Dad. 


Also they all four have my name spelled wrong, address wrong and Experian didn't even have MY NAME in the report. 





XXXX Very Good ( XXXX - XXXX ) XXXX XXXXXXXX XXXX  based on data from Experian Experian Score is Updated Annually Score Reasons You have too many inquiries on your credit report. 
Your largest credit limit on open bankcard or revolving accounts is too low The balances on your accounts are too high compared to loan amounts The date that you opened your oldest account is too recent Experian Report Details Updated XX/XX/XXXX Credit Inquiries XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX View More Report an Inaccuracy Last Updated XX/XX/XXXX Accounts Open/Active Accounts XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Paid Initial Balance {$160000.00} Remaining Balance {$160000.00} Account Details Type Mortgage Date Opened XX/XX/XXXX Remaining Balance {$160000.00} Minimum Monthly Payment {$1100.00} Date of Last Activity - Past Due {$0.00} Payment History Since XXXX, you've had : 4 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX   XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Used Credit Limit {$10000.00} Available Credit {$10000.00} Balance {$100.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$100.00} Minimum Monthly Payment {$35.00} Date of Last Activity - Past Due {$0.00} Payment History Since XXXX, you've had : 15 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 0 % Used Credit Limit {$8000.00} Available Credit {$8000.00} Balance {$0.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$0.00} Minimum Monthly Payment {$0.00} Date of Last Activity - Past Due {$0.00} Payment History Since XXXX, you've had : 25 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 39 % Used Credit Limit {$15000.00} Available Credit {$9400.00} Balance {$6000.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$6000.00} Minimum Monthly Payment {$60.00} Date of Last Activity - Past Due {$0.00} Payment History Since XXXX, you've had : 25 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX Credit Utilization Combined Account Balances {$170000.00} Latest XXXX report updated on XX/XX/XXXX Credit Card {$6100.00} Mortgage {$160000.00} Installments {$0.00} Other - Report an Inaccuracy Last Updated XX/XX/XXXX Credit Personal Information Names Reported No names available. 
Date Of Birth XX/XX/XXXX Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Report an Inaccuracy XXXX Very Good ( XXXX - XXXX ) XXXX XXXX XXXX based on data from Experian Experian Score is Updated Annually Score Reasons You have too many inquiries on your credit report. 
Your largest credit limit on open bankcard or revolving accounts is too low The balances on your accounts are too high compared to loan amounts The date that you opened your oldest account is too recent Experian Report Details Updated XX/XX/XXXX Credit Inquiries XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  View More Report an Inaccuracy Last Updated XX/XX/XXXX Accounts Open/Active Accounts XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Paid Initial Balance {$160000.00} Remaining Balance {$160000.00} Account Details Type Mortgage Date Opened XX/XX/XXXX Remaining Balance {$160000.00} Minimum Monthly Payment {$1100.00} Date of Last Activity - Past Due {$0.00} Payment History Since XXXX, you've had : 4 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Used Credit Limit {$10000.00} Available Credit {$10000.00} Balance {$100.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$100.00} Minimum Monthly Payment {$35.00} Date of Last Activity - Past Due {$0.00} Payment History Since XXXX, you've had : 15 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX  - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 0 % Used Credit Limit {$8000.00} Available Credit {$8000.00} Balance {$0.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$0.00} Minimum Monthly Payment {$0.00} Date of Last Activity - Past Due {$0.00} Payment History Since XXXX, you've had : 25 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 39 % Used Credit Limit {$15000.00} Available Credit {$9400.00} Balance {$6000.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$6000.00} Minimum Monthly Payment {$60.00} Date of Last Activity - Past Due {$0.00} Payment History Since XXXX, you've had : 25 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX Credit Utilization Combined Account Balances {$170000.00} Latest XXXX report updated on XX/XX/XXXX Credit Card {$6100.00} Mortgage {$160000.00} Installments {$0.00} Other - Report an Inaccuracy Last Updated XX/XX/XXXX Credit Personal Information Names Reported No names available. 
Date Of Birth XX/XX/XXXX Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Report an Inaccuracy Credit Score & Report file_downloadDownload Credit Report XXXX Updated XX/XX/XXXX XXXX  EXPERIAN XXXX Very Good ( XXXX - XXXX ) XXXX XXXX from XX/XX/XXXX XXXX XXXX based on data from XXXX Score Reasons You have too many collection agency accounts that are unpaid The balances on your accounts are too high compared to loan amounts You have too many inquiries on your credit report. 
The date that you opened your oldest account is too recent CREDIT SCORE HISTORY XXXX  Report Details Updated XX/XX/XXXX Credit Inquiries XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX View More Report an Inaccuracy Last Updated XX/XX/XXXX Accounts Open/Active Accounts XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Paid Initial Balance {$160000.00} Remaining Balance {$160000.00} Account Details Type Mortgage Date Opened XX/XX/XXXX Remaining Balance {$160000.00} Minimum Monthly Payment {$1100.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Used Credit Limit {$10000.00} Available Credit {$10000.00} Balance {$100.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$100.00} Minimum Monthly Payment {$35.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 0 % Used Credit Limit {$8000.00} Available Credit {$8000.00} Balance {$0.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$0.00} Minimum Monthly Payment {$0.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 39 % Used Credit Limit {$15000.00} Available Credit {$9400.00} Balance {$6000.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$6000.00} Minimum Monthly Payment {$60.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 100 % Paid Initial Balance {$10000.00} Remaining Balance {$0.00} Account Details Type Installment Date Opened XX/XX/XXXX Remaining Balance {$0.00} Minimum Monthly Payment {$170.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX Credit Utilization Combined Account Balances {$170000.00} Latest XXXX report updated on XX/XX/XXXX Credit Card {$6100.00} Mortgage {$160000.00} Installments {$0.00} Other {$0.00} Report an Inaccuracy

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