Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian, XXXX and XXXX are reporting inaccurate and false information on my credit report. 

Experian is reporting XXXX XXXX XXXX XXXX XXXX, MD XXXX that address would removed and put back on. I have also never lived at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

XXXX has reported that an account for XXXX XXXX with last date reported XX/XX/XXXX, Experian and XXXX doesnt show enough information for the XXXX XXXX account. Theres no balance, no high credit limit, the date of last activity for experian is XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX is showing the dates of last active as XX/XX/XXXX on XXXX, how can that be if I filed bankruptcy years ago with this account?? Experian and XXXX doesnt have enough information about the count. Hey he dates of last activity are all mixed up, theres no information about the credit limit or anything. 

XXXX XXXX is showing that the account with XXXX was last active on XX/XX/XXXX. This is incorrect. XXXX is showing last active of XX/XX/XXXX and doesnt show balance for XXXX XXXX doesnt show any information on payment status or credit limit. There nothing showing what type of account it is. All this information doesnt seem like it has been verified because theres so much missing information. Experian. Shows that the account wasnt opened on XX/XX/XXXX and XXXX and XXXX show Date opened on XX/XX/XXXX. What information is accurate?? 

XXXX is postponing XXXX as open account type but the account status says closed. The accounts also show that theres no high credit limit but theres a balance due of {$84.00}! How can that be. Date last active is incorrect as well. 

XXXX XXXX is showing for XXXX incorrect and missing information. Theres no balance for no high credit limit, no credit limit. XXXX shows account status as other but Experian shows as closed. Experian also has the account as last reported on XX/XX/XXXX and a XXXX shows XX/XX/XXXX. What is correct? Why is all the information reporting differently? 

XXXX XXXX is showing for XXXX that the account is indeterminate? Who is verifying this information? The account type is left blank, high credit limit is left blank. There is too much information left blank. 

XXXX is posting that I have 2 dismissed chapter XXXX and one dismissed Chapter XXXX. They are all missing information Reference numbers are wrong for The chapter XXXX. They also are saying I filed at US DISTRICT COURT that is incorrect. The status is missing, the date settled is missing, the liability amounts are missing. 

For XXXX its showing that I filed a chapter XXXX at BK ... who is Bk? This information is inaccurate. The date settled for the Bks are incorrect. 

Experian shows all inaccurate account reference numbers. Dates settles are incorrect. 

All these accounts are in violation of the FCRA. They have you provide me with how they verified any of this information which leaves me to believe that they are not conduction reasonable investigations or following then procedures or obeying laws. 

Please have them remove all the accounts listed below from each credits report. 

Thanks, 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