Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report contains outdated negatives. Since then I have received a loan from XXXX XXXX plus I have received XXXX small amount credit card acceptances. I did pay off much credit card debt and it took me XXXX or XXXX years and I did this through the XXXX XXXX XXXX company that worked with my creditors to negotiate and that helped me pay off my major credit card debt, being debt free of that in XXXX XXXX XXXX And I do pay more than the minimum that is due monthly by my XXXX current credit cards. I had asked XXXX XXXX  for the establishment of another small loan for a reserve account for overdraft fees and that would be very helpful as I had this before in my previous personal checking account with the bank and always paid back any money borrowed sooner than it was due. It is important for me to have this loan because I am retired and receive my pension in the beginning of the month and my social security towards the end of the month. I had some overdrafts that I wound up paying last month and was lucky I did not have to pay more because I did finally receive my social security and time and my pension a few days later to cover the overdrafts in time so they could be canceled. So I would appreciate if the credit card company Experian would update my credit card report to show that I do pay my credit cards on time now and also my other loans with XXXX XXXX, and my home mortgage to XXXX XXXX  and my HELOC to XXXX XXXX. I would also appreciate it if the CFPB would also contact XXXX XXXX  to reconsider my request again after reading this summary and hopefully my credit report will be updated positively I considering my positive actions that I accomplished to overcome my previous credit card debt and I have improved my financial situation because of this. Also I continue to pay all loans and credit cards as required and on time. This updated my credit report will help me to continue to have positive credit by getting a adequate small loan for overdraft protection in a reserve overdraft protection loan with my bank. I did have this overdraft protection reserve loan account with my bank with my previous personal checking account with my bank that was replaced with a new personal checking account with the same bank recently. However I could not receive the small loan for overdraft fee protection with my bank because of outdated comments that no longer apply to my current financial situation, and continue to be an unfair demerit, as I have completely paid off my previous major credit card debt. I believe the old comments on my credit report refer to old negatives that I no longer valid. It took me XXXX or XXXX years to diligently and pay down that credit card debt and accomplished that in the beginning of XXXX XXXX XXXXXXXX And since then as mentioned before, in the beginning of the year I believe, I was accepted to get a XXXX XXXX loan and also XXXX small credit cards. If I could get this overdraft protection loan account for my current checking account, that would definitely help ensure that I continue to have good credit and to help me pay off my bills on time and also pay off my current loans and credit cards on time.

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