Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: CA
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:
Today [ XX/XX/XXXX ] I ran MyFico report for all 3 credit bureaus. XXXX stated Excellent credit. Experian Good, XXXX has put negative credit on my report as of XX/XX/XXXX. On XX/XX/XXXX I ran MyFico report with Experian with score above XXXX, today score is down XXXX points to mid XXXX 's. Big red Flag!! I reached out to Experian XXXX  - credit monitoring which was given for settlement with a data breach with XXXX. No red flag showing up on Experian XXXX XXXX but it did on my Experian credit report. I spoke with XXXX at Experian. While looking at the report there where two reports for the same card. One positive and one negative. The negative report appeared on my report after XX/XX/XXXX. The credit report show the previous opportunity was paid in full in XXXX XXXX. There has been no activity on my card, nor have I canceled the card. XXXX has listed up and till XX/XX/XXXX " OK ''. Now for XX/XX/XXXX on one report showing " XXXX  '' and account closed with one month pasted due. I have not used the card since XXXX XXXX. How can it be past due, when it was paid in full in XXXX XXXX, and listed on all 3 credit bureas as " OK '' since that time? XXXX and his supervisors that he spoke to several times over the 1 hour 15 minute phone call could not explain the two reports on their file. I then contact XXXX and they didn't provide any asisstance. I asked to speak to supervisor and was told know. I then called XXXX XXXX Credit card and told to call XXXX again, then asked for a Supervisor and got the run around, so I hung up. I have records showing the card was paid off in full and okay since that time. This negative report just appeared on my Experian line of credit. This not acceptable. Per the rules : '' If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages ''. I learned this today ; " An individual has several options available to fight the reinsertion of a negative trade line such as : Request a new investigation with the credit reporting agencies. 
Add a consumer statement to his or her credit report. 
File a lawsuit against the creditor committing the reinsertion ''. 

I want to know why XXXX, claims I am one month past due, when this was settled by the records I have in XXXX XXXX and reported to all 3 credit bureaus? I have the records from the 3 credit bureaus showing this account has been okay up to and through XX/XX/XXXX. I haven't used the card since XXXX or canceled the card. The company once again has not mailed me or emailed anything, except flyers to purchase items from their store. XXXX have violated the FRCA ruling and are commiting Fraud!!

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