Consumer complaint received 2019-12-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XXXX this year I have been a victim again of credit fraud and identity theft. During the disputing process of these items I realized that they removed accounts from my credit report that were in good standing. I spoke with over the phone since XXXX when I realized it and they informed me to contact the companies to re report the items. So I did and they stated to me that they can't report and the credit reporting Agency should add them back on themselves showing the records however they have not and have told me they will not. It has dropped my score not to mention every complaint I sent in they were removing good accounts and sending me letters fighting the proof I had of the fraud and leaving them on. I have letters on letter head to remove some bad items and they still have not complied on several of them. Nor put the items back on the report. I was informed that at one time they remove them because I questioned an amount and they just remove them if I do, however there was nothing negative regarding the actual account so removing it was going to hurt me and was something that wasn't needed to be done. This is for Experian, XXXX  and XXXX. The accounts that needed to be added are the XXXX XXXX XXXX Account XXXX and XXXX  XXXX  XXXX XXXX - - Account Number XXXX - - Account Type Revolving - - Account Condition Closed - - Date Opened XX/XX/XXXX - - High Balance {$4400.00} - - Monthly Payment {$25.00} - - Account Balance {$0.00} - - Last Reported XX/XX/XXXX - - Amount Past Due {$0.00} - - Limit {$12000.00} - - Remarks - - - Responsibility Authorized User - - Past Due - 30 Days 0 - - Past Due - 60 Days 0 - - Past Due - 90 Days 0 XXXX   needs to add XXXX XXXX - Account Holder XXXX XXXX - Account Type Revolving Revolving - Account Condition Closed Closed - Date Opened XX/XX/XXXX XX/XX/XXXX - High Balance {$2500.00} {$2500.00} - Monthly Payment {$1.00} {$0.00} - Account Balance {$0.00} {$0.00} - Last Reported XX/XX/XXXX XX/XX/XXXX - Amount Past Due {$0.00} {$0.00} - Limit {$25000.00} {$25000.00} - Remarks - - - Responsibility Terminated Account Relationship Terminated - Past Due - 30 Days 0 0 - Past Due - 60 Days 0 0 - Past Due - 90 Days 0 0 - Past 24 months XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian OK OK OK OK OK OK OK OK OK OK OK OK XXXX  OK OK OK OK OK OK OK OK OK OK OK XXXX  OKCurrent XXXX Needs to be added to Experian and XXXX  XXXX - Account Number - XXXX - Account Type - Revolving - Account Condition - Closed - Date Opened - XX/XX/XXXX - High Balance - {$1100.00} - Monthly Payment - {$0.00} - Account Balance - {$0.00} - Last Reported - XX/XX/XXXX - Amount Past Due - {$0.00} - Limit - {$11000.00} - Remarks - - - Responsibility - Account Relationship Terminated - Past Due - 30 Days - 0 - Past Due - 60 Days - 0 - Past Due - 90 Days - 0 XXXX  XXXX Not reporting on Experian and XXXX XXXX XXXX is reporting XXXX  XXXX  XXXX  Account Number - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$0.00} Monthly Payment - - {$0.00} Account Balance - - {$0.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$1500.00} Remarks - - Fixed Rate Responsibility - - Individual Account Past Due - 30 Days - - 0 Past Due - 60 Days - - 0 Past Due - 90 Days - - 0 Experian and XXXX needs to add the report XXXX  XXXX XXXX Account Number - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$4400.00} Monthly Payment - - {$0.00} Account Balance - - {$0.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$12000.00} Remarks - - Account Closed By Credit Grantor Responsibility - - Authorized User Past Due - 30 Days - - 0 Past Due - 60 Days - - 0 Past Due - 90 Days - - 0 Experian and XXXX are not reportingXXXX is XXXX XXXX Account Number - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$140.00} Monthly Payment - - {$0.00} Account Balance - - {$0.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$1500.00} Remarks - - Responsibility - - Authorized User Past Due - 30 Days - - 0 Past Due - 60 Days - - 0 Past Due - 90 Days - - XXXX XXXX XXXX needs to add to Experian and XXXX XXXX XXXX CO Account Number - - XXXX Account Type - - Installment Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$1500.00} Monthly Payment - - {$0.00} Account Balance - - {$0.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$0.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - 0 Past Due - 60 Days - - 0 Past Due - 90 Days - - 0

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