Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: TX
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:
Experian continues to report an account as a real estate account. 

Report # XXXX Experian Membership ID : XXXX XXXX XXXX To whom this may concern : This dispute was opened and closed in less than one week. After several failed attempts to upload to Experian 's upload site, I mailed the evidence XX/XX/XXXX. 

Company : XXXX Account # ( I do not have the account number as he has redirected the bills since XXXX. ) I only have the last 4 which was found online # XXXX This account is being reported on my credit as having a lien which has attached itself as part of my mortgage and is affecting my ability to refinance my home. This was done by my ex-husband back in XX/XX/XXXX without my knowledge by acquiring my Experian Credit Report ( See Police Report ). 

The company XXXX has reassured me they are reporting this debt as an INSTALLMENT LOAN and Experian is reporting it as real estate. This is affecting my mortgage credit utilization and my ability to refinance my home as I have been denied twice. 

The company recently issued a lien termination to help as I have continually reported this account as an installment account to Experian and not a secured home improvement loan which was sent by my ex-husband around XX/XX/XXXX. 

Both XXXX and XXXX have both identified this as an installment loan and only Experian has repeatedly reported it as a secured home loan. 

My ex-husband intentionally made late payments without my knowledge and Experian is reporting to creditors, " many late payments on many accounts. '' The only account which I have that has been late is my, mortgage XXXX XXXX XXXX XXXX : which is again attributed to my ex-husband. Please remove and stop reporting many late accounts to creditors as I only have ONE account which has lates. 

Due to this verbiage, my credit card limit was reduced which affects my credit utilization and my credit score. 

Accounts in question : XXXX ( I do not have the account number as he has redirected the bills since XXXX, NOT a secured home improvement loan but an installment loan. 

XXXX ( I do not have the account number as he has redirected the bills since XXXX, not late on my credit report. 

XXXX ( I do not have the account number as he has redirected the bills since XXXX, not late on my credit report. 

XXXX credit Card : This account 's balance was reduced due to your reporting ( see attached letter ), which has been in existence since XXXX, but was recently disclosed to me by XXXX XX/XX/XXXX These current comments from Experian being reported to creditors : 4 Hurting your credit 1. You've made heavy use of your available revolving credit 2. You have an insufficient number of accounts that are currently paid as agreed 3. You have a public record and/or collection on your credit report 4. You have a public record and/or collection on your credit report. 

These comments have continually changed as I continue to question your reporting. 

Again, my ex has only been able to access my Experian Credit Report which Experian sent to him at an address, XXXX XXXX XXXX XXXX XXXX Texas, which was/is not mine in XX/XX/XXXX. The other agencies XXXX and XXXX do not show these lates and this negative information and have not sent my credit reports to addresses which are not mine/nor have they ever been mine. 

Finally, my credit history is only reporting back to XX/XX/XXXX. My credit history spans 19 years, I can not understand where this XX/XX/XXXX data has appeared from other than my ex-husband has again found a way to interject false data.

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