Consumer complaint received 2016-12-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. 

These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I need. As you and I are both aware, there are laws that ensure that credit report agencies report only accurate credit information. It is quite clear that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part. 

I am quite angry you have inserted the following information on my credit report : XXXX XXXX XXXX following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX XXXX This account does not seem accurate to me. Can you investigate the account number, account terms, account balance, balance history, payment history if any, and the address being reported on this account. Please delete this account for any inaccuracies. 

XXXX XXXX I am disputing the opening date, the reported date, the close date and last activity date because I feel it 's not correct and is inconsistent on all three credit reports. Please remove this item immediately from my credit report. 

XXXX Department of Education XXXX This account is being reported inaccurately on my credit report. Why is there still a balance of {$1.00} on my credit report? This account was consolidated into a new loan with XXXX and the balance on this account should be XXXX. This account is continuing to hurt my credit because it still shows a past due amount when that is not correct at all. Please update the account to reflect a zero balance and not past due or delete the account in its entirety. 

XXXX Department of Education XXXX This account is being reported inaccurately on my credit report. Why is there still a balance of {$1.00} on my credit report? This account was consolidated into a new loan with XXXX and the balance on this account should be XXXX. This account is continuing to hurt my credit because it still shows a past due amount when that is not correct at all. Please update the account to reflect a zero balance and not past due or delete the account in its entirety. 

XXXX Department of Education XXXX This account is being reported inaccurately on my credit report. Why is there still a balance of {$1.00} on my credit report? This account was consolidated into a new loan with XXXX and the balance on this account should be XXXX. This account is continuing to hurt my credit because it still shows a past due amount when that is not correct at all. Please update the account to reflect a zero balance and not past due or delete the account in its entirety. 

XXXX Department of Education XXXX This account is being reported inaccurately on my credit report. Why is there still a balance of {$1.00} on my credit report? This account was consolidated into a new loan with XXXX and the balance on this account should be XXXX. This account is continuing to hurt my credit because it still shows a past due amount when that is not correct at all. Please update the account to reflect a zero balance and not past due or delete the account in its entirety. 

Chapter XXXX Bankruptcy XXXX I am disputing the file & discharge date on this bankruptcy because it does not seem right to me. Where are you getting this information from? Delete from my credit report.

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