Consumer complaint received 2022-06-08
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:
XXXX is reporting inaccurate and incorrect information on my credit report with them for several accounts and they are as follows : XXXX XXXX XXXX has a medical bill listed on this report as well in the amount of {$110.00} and it is showing as a collections account. The original creditor was XXXX XXXX XXXX who spoke to me and the insurance company multiple times and were told to rebill and refile so that they could receive payment from the insurance company. So why are they reporting this as a collection account when they were at fault and did not rebill or refile in a timely manner as they were told to do so multiple times by myself and the insurance company. This is their fault not mine but yet it is listed on my credit report as a collection item. I did reach out to XXXX XXXX XXXX who told me even if I pay it the item will remain and this is not right when I contacted them for over a year telling them to rebill and refile to receive their payment. I had insurance it is no reason for them to have listed this item on my credit report. 

XXXX XXXX XXXX  XXXX was included in my Chapter XXXX XXXX filed on XX/XX/XXXX and they also charged the item off and then turned around and reported me as being late and are still reporting me as being late when this is not the case at all. The amount is {$730.00}, and this account is also showing closed and has been closed since XX/XX/XXXX. 

I am also trying to purchase a vehicle and the rule of thumb is that your credit report can be run for 30 days without impacting your score and this has not been the case either. I currently have a total of XXXX hard inquiries on my credit report that have also affected and impacted my score significantly as of XX/XX/XXXX. 

XXXX is reporting inaccurate and incorrect information on my credit report with them for several accounts and they are as follows : XXXX XXXX XXXX has a medical bill listed on this report as well in the amount of {$110.00} and it is showing as a collections account. The original creditor was XXXX XXXX XXXX who spoke to me and the insurance company multiple times and were told to rebill and refile so that they could receive payment from the insurance company. So why are they reporting this as a collection account when they were at fault and did not rebill or refile in a timely manner as they were told to do so multiple times by myself and the insurance company. This is their fault not mine but yet it is listed on my credit report as a collection item. I did reach out to XXXX XXXX XXXX who told me even if I pay it the item will remain and this is not right when I contacted them for over a year telling them to rebill and refile to receive their payment. I had insurance it is no reason for them to have listed this item on my credit report. 

XXXX XXXX XXXX  XXXX was included in my Chapter XXXX XXXX filed on XX/XX/XXXX and they also charged the item off and then turned around and reported me as being late and are still reporting me as being late when this is not the case at all. The amount is {$730.00}, and this account is also showing closed and has been closed since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX needs to be updated to reflect that it was included in my Chapter XXXX XXXX as of XX/XX/XXXX and this item is not late as is being reported on my XXXX Credit Report. It is reporting me XXXX days late when this is not the case, and the account also says closed, and they have not been reporting late payments every month either. They have reported me late a total of 7 times since I filed and included them in my Chapter XXXX XXXX as of XX/XX/XXXX with a balance of {$5800.00}. 

This account was closed as of XX/XX/XXXX so how are they reporting me as being late with payments and a remaining balance on a closed account? They also received a payment in the amount of {$16000.00}. 

I am also trying to purchase a vehicle and the rule of thumb is that your credit report can be run for 30 days without impacting your score and this has not been the case either. I currently have a total of XXXX hard inquiries on my credit report that have also affected and impacted my score significantly as of XX/XX/XXXX. 

Experian is reporting inaccurate and incorrect information on my credit report with them for several accounts and they are as follows : XXXX XXXX XXXX has a medical bill listed on this report as well in the amount of {$110.00} and it is showing as a collections account. The original creditor was XXXX XXXX XXXX who spoke to me and the insurance company multiple times and were told to rebill and refile so that they could receive payment from the insurance company. So why are they reporting this as a collection account when they were at fault and did not rebill or refile in a timely manner as they were told to do so multiple times by myself and the insurance company. This is their fault not mine but yet it is listed on my credit report as a collection item. I did reach out to XXXX XXXX XXXX who told me even if I pay it the item will remain and this is not right when I contacted them for over a year telling them to rebill and refile to receive their payment. I had insurance it is no reason for them to have listed this item on my credit report. 

XXXX XXXX XXXX  XXXX was included in my Chapter XXXX XXXX filed on XX/XX/XXXX and they also charged the item off and then turned around and reported me as being late and are still reporting me as being late when this is not the case at all. The amount is {$730.00}, and this account is also showing closed and has been closed since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX needs to be updated to reflect that it was included in my Chapter XXXX XXXX as of XX/XX/XXXX and this item is not late as is being reported on my XXXX Credit Report. It is reporting me XXXX days late when this is not the case, and the account also says closed, and they have not been reporting late payments every month either. They have reported me late a total of 7 times since I filed and included them in my Chapter XXXX XXXX as of XX/XX/XXXX with a balance of {$5800.00}. 

This account was closed as of XX/XX/XXXX so how are they reporting me as being late with payments and a remaining balance on a closed account? They also received a payment in the amount of {$16000.00}. 

I also want all of the hard inquiries updated as well on my credit report that has also affected and impacted my score significantly as of XX/XX/XXXX.

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