Consumer complaint received 2022-02-19
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: Information belongs to someone else

Complaint:
I have several accounts reporting on my credit report which I don't know why they are being DELETED then they pop back on my credit report months later. I have items stating that I filed Bankruptcy in which I haven't I have attached proof from my XXXX XXXX report that they don't have any Bankruptcy XXXX XXXX Reported to them. I request that the listed Inaccurate Accounts below be immediately DELETED due to it being an Inaccurately reported account on my Credit Report! 
XXXX XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Flexible spending credit card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$24000.00} XXXX XXXX : {$23000.00} Past Due : {$0.00} Payment Status : Unknown Last Reported : XX/XX/XXXX Comments : XXXX XXXX bankruptcy Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXXXXXX XXXX  Experian XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Flexible spending credit card - Bureau Code : Individual Individual Account Status : Derogatory Closed Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$15000.00} {$0.00} Credit Limit : {$13000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Unknown Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : XXXX XXXX bankruptcy Consumer disputes- reinvestigation in progress Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Experian Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$34000.00} {$34000.00} Credit Limit : {$27000.00} {$27000.00} Past Due : {$0.00} {$0.00} Payment Status : Unknown Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : XXXX  XXXX bankruptcy Debt included in or XXXX through Bankruptcy XXXX  XXXX, or XXXX. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX Experian Only Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$56000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Subscriber reports dispute resolved - consumer disagrees. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX CARD XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Closed Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$27000.00} {$27000.00} {$0.00} Credit Limit : {$20000.00} {$20000.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Unknown Late 60 Days Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : XXXX  XXXX bankruptcy Debt included in or XXXX through Bankruptcy XXXX  XXXX, or XXXX. 
Consumer disputes- reinvestigation in progress Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

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