Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: VA
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:
I recently applied for a XXXX XXXX XXXX XXXX of credit with XXXX XXXX  Application # XXXX Located on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX came back as denied - several days ago - date of denial - approximately XX/XX/XXXX from XXXX XXXX XXXX XXXX Reason - according to the XXXX at EXPERIAN XXXX XXXX XXXX XXXX  Credit card ending XXXX - balance - {$140.00} - due date XX/XX/XXXX - PAID - check # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  can a balance even make it on a credit report prior to date of delinquency?! 
XXXX ) XXXX XXXX Credit card ending in XXXX - balance - {$3600.00} - I don't even have a current or previous balance for this card # near this amount- I have a card XXXX paid {$3600.00} check # XXXX - also card ending # XXXX - XX/XX/XXXX - PAID - check # XXXX - {$2400.00} and card ending # XXXX - check # XXXX XX/XX/XXXX - PAID {$1500.00} XXXX XXXX  due date XX/XX/XXXX -THEY DIDNT EVEN GIVE ME THE CHANCE TO PAY IT SO i SUPPOSE THE CREDIT CARD BALANCE MUST BE PAID PRIOR TO RECEIVING THE MONTHLY STATEMENT IN ORDER TO NOT GET A BAD RATING - XXXX XXXX - SO THEN WHAT IS THE POINT OF HAVING A CREDIT CARD IF THE BALANCE MUST PAID IN FULL EVERY XXXX  TIME ITS SWIPED! 
XXXX ) XXXX XXXX ending XXXX - This is the XXXX XXXX XXXX statement I have ever received from this company to date - PAID - XX/XX/XXXX - check # XXXX - {$230.00} due date XXXX XX/XX/XXXX XXXX ) reference # XXXX - PAID - {$63.00} Check # XXXX to ACCT - XXXX - XXXX XXXX XX/XX/XXXX XXXX ) reference # XXXX - PAID - {$220.00} to XXXX XXXX XXXX check # XXXX - XX/XX/XXXX I am not sure why this XXXX is on XXXX report- I have photo copies of all these checks in pdf format but apparently I cant send them to you because as stated above " Do not include personal information, such as your name, account number, address, Social Security number, etc '' Yet throughout the multiple attempts I made to contact a " living '' human being at EXPERIAN to address these discrepancies on my credit report - that is the first XXXX  thing they request " for my security '' whether via telephone or e-mail is FULL SOCIAL SECURITY NUMBER XXXX XXXX ADRRESS AND XXXX XXXX EXTENSIVE PERSONAL IDENTIFYING INFORMATION IF YOU ASK ME I thought an individual was allowed to pay a credit card balance by due date BEFORE IT WAS CONSIDERED IN ARREARS AND WOULD REFLECT NEGATIVELY ON A " CREDIT REPORT '' XXXX XXXX For at least the past 6 or more years there has not been a single credit card balance I have not paid in full You can see how long ago the " XXXX XXXX XXXX XXXX' amounts were paid - IT IS BEYOND ME WHY IS XXXX IS EVEN ON ExPERIANS REPORTS - after the checks have been deposited into accounts Please help with this problem Thank You and Please excuse my frustration To me this is unacceptable business practice

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