Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IN
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:
I am filing a complaint against Experian, XXXX and XXXX for inaccurate information. On my credit reports from them there is different info that is wrong. I pointed it out to them and disputed it on XX/XX/2023 and the same day and they said they had verified it. That is untrue because of the following facts. XXXX says I owe XXXX Bank XXXX but they have in my credit report my highest balance was XXXX for XX/XX/2023. The account was closed XX/XX/2023. But in XX/XX/2023 it went to XXXX. XXXX says I owe XXXX XXXX for the account in question. However XXXX in their credit report have this ssame account also still open with a balance of XXXX and in good standing and updated this info on XX/XX/2023. So XXXX has the same account as closed and open. Experian has the amount as XXXX. I have pointed out their inaccuracies and told them to remove them asap but they said they verified it. This can't be true because if they had investigated it they would have seen they are reporting differnt amounts and XXXX says the account is open and closed at the same time. One says late payment the other says in good standing. On another account with XXXX XXXX and XXXX says date of last activity as XX/XX/2023 but Experian has date of last activity as XX/XX/2023. I sent all three of them letters disputing this inaccurate info but they only took 12 hrs to say it was verified, They offered no proof of verification or reason why they are reporting different amounts or why they XXXX is saying the same account is open and closed. This might not seem important to you however they are violating the law by reporting inaccurate information. I have suffered due to their misrepresentation of facts. How can one bureau say i owe XXXX when the say my high balance was XXXX in XXXX XXXX the account was closed XX/XX/XXXX but in XXXX the say the balance is XXXX. That's XXXX more dollars in one month and ity waqs after the account was closed. And XXXX showing on my credit report on this account as being late and closed and also in good standing and still open. They have to know this is inaccurate. They definitely are not following the FDCPA. They are being deceptive on both accounts and they know it.In the attachments I sent the one shows the account that says in good standing by XXXX and that is the account ending in XXXX showing a balance of XXXX the next picture shows the different amonuts they are rreportimg and its the same account ending in XXXX that XXXX says in the first picture is in good standing but here they show it as closed with a balance od XXXX while XXXX shows an amount of XXXX. My credit limit was only XXXX. The last XXXX pictures I uploaded is to show they are the same account XXXX is saing is opened and closed. The last picture shows trhe different dates of last activity they are reporting. And screenshot 110 shows inaccuracies. XXXX and Experian say I have 4 open accountys and XXXX shows I have 8 open accounts. I have 5. They are reporting false in formation all throughout these credit reports. Credit rreports are supposed to be accurate above all and I've shown with pictures they are reporting different info to my detriment

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