Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: WI
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:
This complaint alleges Experian is responsible for furnishing inaccurate, incomplete, unverified, false and misleading information to my personal consumer credit report. 

Predating XXXX the above-mentioned bureau was directed to rectify negative marks that showed up in my file as a result of their investigation ( s ) - or lack thereof. The record will reflect that this bureau did not properly verify information that it has published and maintained within this file even after learning of a mixed-file incident with respect to my Social Security number. During this time and thereafter my score has plummeted from nearly XXXX  down to what now lingers in the High 400 's to Lower 500 's. 

As a result I have been denied employment, credit/loan opportunities, and access to post-secondary educational programs based upon negative reports that remain within my credit file. 

Here are a few recent examples of actions taken against me below : XXXX XXXX Department Store - XX/XX/XXXX Denied Employment XXXX XXXXXXXX XXXX - XX/XX/XXXX, ( XXXX ) XX/XX/XXXX & XXXX ( XXXX ) Denied Employment XXXX  - Between XX/XX/XXXX to XXXX Denied Employment XXXX XXXX XXXX XXXX ( XXXX ) - Denied Admission & Financial Aid XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX The following items are relevant to the report attached and was generated XX/XX/XXXX Item # 1 See " Student Accounts '' Experian Report : There is negative information reported by XXXX XXXX XXXX in the file that Experian maintains under my Social Security number. This listing shows an incomplete account number of ( XXXX ) which suggest that the item is " Charged-off '' and " Paid-Off, Closed '' while also implying that I owe a balance of {$2200.00} with an original loan amount of {$1700.00}. On this same page under Payment Info the past due amount is {$2200.00} is stated to have been " Updated on '' XX/XX/XXXX and following that it shows " Date opened '' as ofXX/XX/XXXX with an account status that says closed. Finally, Experian 's file history shows this account reporting up until XX/XX/XXXX. 

Item # 2 See " Student Accounts '' Experian Report : There is negative information reported by Ascendium Ed Solutions in the file that Experian maintains under my Social Security number. This listing shows an incomplete account number of ( XXXX ) which suggest that the item is " Charged-off '' and " Paid-Off, Closed '' while also implying that I owe a balance of {$2300.00} with an original loan amount of {$1800.00}. On this same page under Payment Info the past due amount is {$2300.00} is stated to have been " Updated on '' XX/XX/XXXX and following that it shows " Date opened '' as of XX/XX/XXXX with an account that says closed. Finally, Experian 's file history shows this account report up until XX/XX/XXXX. 


Item # 3 See " Personal Information '' Experian Report : Three addresses and two employer 's within this report needs to be updated/corrected ( See attached ).

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