Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was co-signing a car loan for my son and I was being denied and ( even though XXXX  and XXXX  rated my score excellent ). Because of this experience, I enrolled online for Experian to find out score. I called and explained situation to Experian XX/XX/XXXX - and I discovered that Experian has my sister and her accounts linked to my credit reporting which affects my debt ratio and my scores. This is upsetting because I was denied ; plus also I had to pay higher interest to get approved. 
In XXXX I note on the account that these accounts were put into dispute and the message states These Items have been updated ; however, they didn't remove the accounts - they updated on the accounts and the address for XXXX XXXX to my NAME and MY SSN. That is incorrect. THE NAME OF XXXX XXXX XXXX, XXXX XXXX XXXX AND ALL ACCOUNTS ASSOCIATED WITH XXXX WHICH IS HER SSN - NEED TO BE TOTALLY REMOVED FROM MY REPORT. 


XXXX XXXX XXXX Also known as XXXX XXXX XXXX ( MY SISTER ) XXXX XXXX XXXX XXXX XXXX ( MY SISTER ) XXXX XXXX XXXX XXXX XXXX XXXX ( NOT ME ) Generation identifier N/A My reason for contacting today is I have tried for two days to get someone on the phone with Experian and I can not get to a person. 

I am in the market for another car and I don't want this to affect my interest or approval. 


1. My sister XXXX XXXX XXXX is noted on account and her accounts linked to my Experian HOWVER, THEY ARE ( not linked to XXXX  or XXXX  ) - our SSN # 's are only 1 # off. My is XXXX and her is XXXX. 

XXXX XXXX ( MY CORRECT ADDRESS ) XXXX, LA  XXXX XXXX XXXX -- - MY SISTER 'S ADDRESS XXXX, LA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX Employer ( s ) XXXX XXXX XXXX XXXX  Personal statements ( s ) No Statement ( s ) present at this ti 2. These accounts are NOT mine XXXX  {$11000.00} XXXX XXXX  {$33000.00} XXXX XXXX {$130000.00} 3 student loans {$11000.00} XXXX XXXX  {$5100.00} 3. This puts Experian listing my debt ratio at 31 % ; which my debt ratio is only 8 % this is highly affecting my credit score.

4. XXXX has my account past due XXXX and XXXX of XXXX. THIS IS FALSE I had to claim another dispute with CFPB in XX/XX/XXXX to get Rushmore to help me. I paid the amount owed ( of less than XXXX XXXX ) in XX/XX/XXXX with a closing fee of title. XXXX said they never received it, I for TWO MONTHS tracked down FOR THEM. I ended of paying it again to get them off my back while I fought them on me having already paid it XX/XX/XXXX. I paid the fee again ; and after CFPB contacted them, they noticed they DID in fact receive it on time. I would like this updated to note that I was not delinquent or late in paying this. The XXXX/XXXX  30/60 DAY LATE should be removed. XXXX refunded me in XX/XX/XXXX for the double payment I had made. 

You have been so very helpful in the past, and I am hoping this too can be corrected.

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