Consumer complaint received 2021-07-22
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My complaint is about XXXX  credit reporting. They are reporting inaccurate and old information I feel on purpose. I have been paying off debt and watching my credit and no matter what I do they keep lowering my score for any reason. But never raising. XXXX  XXXX XXXX  card was paid to XXXX  on XX/XX/XXXX and it posted on XX/XX/XXXX but on I think XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  would rather pull the information from my XXXX XXXX statement date of XX/XX/XXXX. Which make my debt ratio look higher than it actually currently is. Next issue I had a car loan for a XXXX XXXX my report said possibly derogatory. And of course XXXX  ran with the negative without having any facts. I first saw a Dr. XXXX XX/XX/XXXX when the doctor declared me legally XXXX and said I could not drive anymore. In which I reached out to XXXX XXXX XXXX  and told them of my situation. They said I could surrender the car to them and they would sale it at auction. And if it sold for more than the loan they would pay it off and send me the difference. Which it did. I was concerned about the reporting agencies using this against me. XXXX XXXX XXXX told me this was a self surrender not a repossession. But of course XXXX went ahead listed it as a repossession. How am I supposed to drive a car if legally I cant drive. I even called XXXX and was worried that car would get ticketed on the city street. So we agreed on a pick up at my cousins house because they have their own driveway. I did everything within my power to get XXXX the car and did a self surrender but like always XXXX  went ahead and listed this against me. I feel like Im being discriminated against because of my XXXX. Im sitting here struggling to file this complaint because of the misinformation and lack of proper reporting being done to me. 

XXXX  has done the similar things with my credit score and report. Not reflecting the correct accurate information like XXXX is doing. XXXX is using old information cards that are paid off to reflect a higher debt ratio keeping my scores low. When if they are pulling correct current data it would show XXXX on XXXX XXXX and now XXXX on XXXX. And I fear they are using the car loan against me too when I self surrendered because I cant see to drive anymore. 

With Experian they did the same but after disputing they started to update my info but I want to make sure they arent using the car loan against me to. Whats even more weird is with experian my report is telling me that I dont have enough credit cards. Some my credit is risky. That makes no sense. Like Ive said from the beginning they are reporting accurately and using their inaccurate reporting against me. All three show the newest inquiry but dont list the new credit card. Its not right whats being done. When someone is doing their part. Their reporting is discouraging for someone trying to do the right things. Be proactive and stay on top of things.

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