Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: IL
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:
I have ONE OPEN AND ACTIVE LOAN with XXXX XXXX in XXXX IL. ALL OTHER XXXX XXXX and XXXX XXXX loans are paid in full, XXXX balance, and closed!!! I refinanced each one into the next and they close the old one when you do this so AGAIN I only have ONE loan with XXXX XXXX who used to be XXXX XXXX but they merged!! My ONE loan with them is the only one that should say open and be active, all others should say closed, paid in full, paid as agreed, refinanced and paid in full. This ONE loan I have with XXXX XXXX  was most recently refinanced in XX/XX/XXXX and is in the XXXX IL location. The terms should be 12 monthly payments of {$740.00} with a current balance of {$6600.00}. Please make sure all is reported accurately and then mail me a copy of my corrected and correct credit report!!!! XXXX made a correction on one of these accounts and only sent me the one page but sent it three times to me. I want the entire credit report after you verify all these accounts are correct, mailed to me!!!! I also have a XXXX XXXX XXXX loan which I have had since XXXX and it was being reported every single month on every report, then all of the sudden last month was not showing on any of them. I contacted XXXX XXXX Services and have filed a complaint on this as well. They said when they went to do their update XXXX loans got wiped out of the system, so they had to resubmit the update after correcting the computer issue and then would contact all the credit reporting agencies to add this back on to my reports. Because the people at XXXX and Experian DO NOT LISTEN and just ASSUME and rush that is WHY they make the errors they do and they responded they could not add information and explained the company does this, blah, blah, blah before they even knew that it was due to the companies computer issue that caused it to not be reporting one month and if they had taken the time to actually research they would have seen they have reported the account for the last three years!!! XXXX!!! DO YOUR JOBS!!!! I would fire people like this they have no intelligence and are lazy!!! Fix this account as well XXXX XXXX XXXX IS going to contact you to do so and I am telling you also because they said I might want to reach out to do the same even though they are doing so too!! This is MY personal information NOT YOURS and it had better be PERFECT and be SAFE or I will SUE YOU for all the money you have!!!!! Again, these businesses should be fined for every single error on every report, that is fair and right. They are intentionally breaking the FCRA laws!!!! CORRECT MY REPORTS AND MAIL ME AND THE CFPB COPIES OF ALL AND I DO NOT WANT THESE COMPLAINTS TO ANY OF THE THREE CREDIT REPORTING AGENCIES OR TO XXXX XXXX OR THE XXXX XXXX CLOSED UNTIL ALL IS CORRECT AND I HAVE CORRECT COPIES OF ALL THREE REPORTS IN MY HAND THROUGH THE MAIL!!! I have also contacted President Biden to let him know of all the issues I am having so he can do something about it too!!!

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