Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After viewing my Experian Credit report, there was inaccurate information reported. Secondly, when I tried to attempt the Dispute with Experian, I was 'locked out ' and could not start a Dispute form.There is a screen cap that may indicate that the page does not link to any format in which a dispute can be submitted. All accounts are in good standing, so the issue is the inaccurate information as well as misleading credit card reporting. Hence my reporting here. 

XXXX. The credit report page has an unsorted collection of XXXX or so credit cards. The closed accounts are listed amongst the active accounts : this may provides a false impression for someone viewing my credit reporting account.. 
XXXX. I am an authorized user on some of my daughter 's credit card accounts but have not used or plan to use these cards. This was a kind gesture on her part. If she knew that this would have affected my credit report she would not has authorized me on her card. In fact, I would have not allowed her to authorize me, also. However, I am listed as the card holder. After calling the customer representative, some of the listed accounts 'changed ' from the ordinal web showing to an updated view, A screensaver provided. An authorized user, I believe is Not the same as a cosigner. I asked the rep what about a dependent child ( less than XXXX XXXX XXXX ) of a parent that gives an authorized card to their child. Many parent do this as a security feature for the child. Would the child be listed in a separate credit report as 'equal ' to the parent? The rep was not able to answer after a brief hold to check this information. 
XXXX. There also accounts listed that are not authorized from my daughter. When I spoke to the representative he could not find the accounts : For example, Three XXXX accounts that are in my daughter 's name and that she only uses. When I provided her XXXX account last XXXX numbers the representative could not locate which cards listed there in her name. In fact, this information does not show on the report with the last XXXX number to identify the account. 
XXXX. There are several other cards that are not authorized which I will not list at present. 
XXXX. The listed amount of credit card debt for me is not correct at over XXXX XXXX My debt is less than XXXX. 
XXXX. When I tried to sign in or cheek reports and even when I attempted to start a dispute Experian has numerous pop of windows and ads to entice or sell their or other companies Credit Cards for the person trying to seek information on their credit score. 
XXXX. I may be wrong but it seems to be a conflict of interest for a Credit reporting firm to also have their own credit cares or to suggest other credit cards for a person that is only seeking to know about their credit scores. It was difficult to locate pertinent information for the reason why I wished to contact Experian. 
XXXX. It is felt that some of what I described here is unethical and possibly illegal. Because Experian was fined on more than one occasion for incorrect credit information as well as hacking of their companies account, the manner in which this companies is run should be investigated XXXX. Because Credit scores are extremely importation in the majority of financial affairs of a person 's life from interest rates to Renting apartments, The kind of incompetent reporting should be corrected. Anyone that is also reading this, please review your report to see if this is also happening to you. 

I hope I have provided All of eh screen shots to prove my concerns -- worried about timeout and uploading the wrong one

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