Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( XXXX ). Because the balances being reported by your company and Experian are dif-ferent, this means the account has not been properly verified. Please delete this account immedi-ately. 
I THINK ITS WEIRD THAT YALL KEEPING CLAIMING THIS ACCOUNT AS VERIFIED AND IT SO ABUNDANTLY CLEAR THAT THE INFO IS INCONSISTENT : I RECENTLY WAS CONTACED BY XXXX AT THE XXXX IL, location PHONE # FROM XXXX XX/XX/XXXX at XXXXXXXX XXXX who i spoke with in regard to account XXXX when i spoke with him he stated that " he doesn't know where I'm getting my information from '' in regards to the balance on the account i advised him that they are inaccurately reporting inaccurate information on my credit report, he then goes on to say that the balance on the account is XXXX after i asked why are they reporting monthly payments/balances on the account are higher/lower with each bureaus 1. XXXX is reporting that the balance $ $ XXXX XX/XX/XXXX with date of last payment XX/XX/XXXX 2, Experian is reporting the balance of {$12000.00} with date of last payment XX/XX/XXXX which neither of the balances are correct, i also advised him that i would contact the credit bureaus directly and let them know that he saying that he does not know where I'm getting my information from which is indeed my actual credit report that XXXX XXXX EXPERIAN , & XXXX XXXX HAS Provided TO me, not only is this affecting me but its damaging my credit report and credit worthiness, not to mention the balance on the account between XX/XX/XXXX, XXXX XXXX XXXX  has increased by XXXX $ in just one week, which is also inaccurate being that XXXX AS WELL EXPERIAN IS REPORTING MONTHLY PAYMENTS OF {$250.00}. NOT TO MENTION EVERY MONTH MY PAYMENT HISTORY HAS CHANGED FROM XX/XX/XXXX TO XX/XX/XXXX AS BEING 30 DAYS LATE ... i am furious and very displeased in how my report is being handle I'm requesting deletion of this specific account due to inaccurate reporting on a consistent basis which is affecting me and how i live my day-to-day life .as a consumer i have right and right now my rights have been violated. Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines ive attached all FACTUAL DOCUMENTS BELOW.

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