Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: NC
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 was laid off and my unemployment payments had expired. I withdraw all of my 401k to cover living expenses until I could secure a full time job. I was offered a job 17 hours away, after accepting the job relocating several states away there were payroll errors that prevented me from receiving any pay. It took over a month to resolve the issue and receive pay then another few weeks to get the correct amount. I notified my creditors that although the payroll errors were resolved my employer, the IRS will not cover the costs of all the late fees, penalties and additional interest for missed payments. I continued to pay what I could until I was caught up, shortly after getting my accounts current I was furloughed. The unpaid furlough lasted 5 months. 

I notified my creditors and paid what I could to be current from start of unpaid government furlough XX/XX/XXXX until XX/XX/XXXX. My credit report does not show all my payments. I also notice different information is sent to each consumer reporting agency. 

I requested credit reporting assistance from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time my request is dismissed and inconsistent information is reported. I requested that payment history and my original contract be provided as well as a letter confirming the current balance, high balance, credit amount and account type and status be sent to me by mail within 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All my requests were ignored by letter stating accurate data had been reported and to contact each consumer reporting agency directly. 

The consumer reporting agency denys my request for an investagation citing an investigation has already been completed on my account and the business states the information is accurate. Information can not be accurate at XXXX, XXXX and Experian if each consumer reporting agency is displays different information? 

I requested that payment history and my original signed contract be provided as well as a letter confirming the current balance, high balance, credit amount and account type and status be sent to me by mail within 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my records and to correct reporting errors. Since my requests have been denied by the credit reporting agency and the creditor I am either denied credit or forced to pay high interest rates and higher down payments on everything I apply for. I also am a victim of the the XXXX XXXX data breach which caused accounts that are 17 years old or do not belong to me to appear on my account which makes me more concerned with protecting my information and insuring it is accurate and consistent. 

My auto loan, fraudulent fees, penalties and unlawful interest that double on the last payment was paid one day after I was told I could make a cash payment at a local branch to avoid repossession. I made the payment and received my title a few weeks later. 

Please investigate XXXX for refusing to report accurate information to all three consumer reporting agencies as they are required to do. Their bad business practices are having a negative effect on my ability to acquire credit and get an interest rate based on accurate consistent account information.

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