Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX, XXXX Experian and the other bureaus were contacted due to them " wrongfully '' deleting ( 2 ) open and exceptional accounts with my XXXX XXXX XXXX XXXX Representative- XXXX ID # XXXX XX/XX/XXXX, XXXX I spoke with creditor XXXX XXXX XXXX representative XXXX in the consumer department and explained the situation to him. He mailed a letter providing account details on my behalf to have my " wrongfully '' deleted accounts reinstated and accurately reflecting. ( This negligence affected my scores for 3 weeks and consumed over 10 hours of my time ) XX/XX/XXXX, XXXX XXXX XXXX Credit card department representative XXXX confirmed that a letter was mailed on XX/XX/XXXX and that an off cycle electronic reporting was completed on XX/XX/XXXX. 

XX/XX/XXXX, XXXX My paid subscription with Experian that allows me to access my fico score across all three bureaus, updated all three. Both accounts are back in my file BUT THE PARTICULAR ACCOUNT FOR THIS COMPLAINT WHICH IS MY CREDIT CARD DID NOT UPDATE ON MY EXPERIAN. The balance shown is inaccurate and needs correction immediately and should not be delayed given the substantial amount of proof provided in the attached documents. 

XX/XX/XXXX, XXXX during the researching of my reports I decided to contact my creditor XXXX XXXX for the same account in question ( Credit Card ) and spoke with representative XXXX in the credit card department. XXXX confirmed that my highest balance ever reported on my account was for XX/XX/XXXX for the amount of {$2600.00}. All three bureaus has a high balance listed as {$16000.00} which is inaccurate, negligent, and defamation of character. 
If Bureaus are stating that the high balance of {$16000.00} is verified with creditor I require proof of that verification covering all the requirements listed below. 
1. Method of verification ( How were the details acquired? If there was a direct contact person, list their names, titles, departments, phone numbers, and the date contacted, also list the bureau agent and Identification number that made contact ) 2. Proof of verification ( Present to myself as well as CFPB the documentation from the CREDITOR reflecting that you're reporting is accurate. If a vague response is provided here, I still require this be mailed to me so that it could personally use it as needed ) 3. Date of high balance ( Report this directly to this case, so that I may open a separate complaint with the corresponding monthly statement while referencing this complaint to direct CFPB to what you claimed here ) Exhibits A : XXXX - Emessage from XXXX XXXX confirming the reporting of the accounts to be reinstated on my files. Confirmation number included B : XXXX - Experian report reflecting inaccurate current balance and inaccurate high balance with detailed cliff notes. 

C : XXXX- XXXX  report reflecting accurate current balance and inaccurate high balance with detailed cliff notes. 

D : XXXX - XXXX  report reflecting accurate current balance and inaccurate high balance with detailed cliff notes.

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