Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: TX
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, XXXX, Experian or FICO are not updating information properly on my profile. And it is causing a severe financial hardship. 

XXXX XXXX XXXX has been paid off since XXXX and it stills shows I have a balance XXXX  XXXX XXXX  keeps renewing a collection that was never proven to mine but has been indeed identified as identity fraud and is still able to report information on my credit report as if its a current collection when it was a collection that was removed and bought by another collection company dated back in XXXX. They stated I lived in a false address that I've never lived in..however that address is a location of base but not the physical address of my location and many military members have been victims of this because the address is a address affiliated to the location of the base but is NOT an physical address of any member located or stationed at that base as that base has individual addresses within the base. this company has harassed me with the name of XXXX XXXX and wrong numbers and tried to have me verify information to try to prove their case more accurately to collect money from me that i do not owe. They've been doing searches to try to solid their information because their information in the beginning was inaccurate. And every time they have been disputed they disappear and reappear again and they reappear on my credit report as its a new establish collection but in truth it's a collection that was removed almost 3 years ago which is playing a heavy part of defeating my credit score. 

XXXX XXXX XXXX XXXX/XXXX  card services This company is being reported as charged off on my credit report but that's in impossible because i have automatic payments coming out and the other card was paid. I've sent the credit bureaus copies of this and they still report it as a charged off account which is not accurate. One of the cards were closed base of the company 's policy not by member. member has automatic pay dating back from XX/XX/XXXX. This card was never late as it automatically paid. 

XXXX XXXX XXXX XXXX  Was proven to be a false account against member but is still reported as accurate information. It was proven based off the time the member resided at the location. The member wasn't at the location 1 year and half after this report was sent out the account was reported in which the member was still living in location when information of XXXX  orders and location of new address proved that member was in a whole different state during the billing time the company sent reporting and the company failed to provide accurate information connecting member to this account. Inaccuracy by the company and lack of accountability of the company who reported it. Member is not legal responsible for this account and this information should have been updated and removed off his credit report. 

XXXX XXXX  account is being held as a late account when account is paid in full and proved it was never late from almost 8 years ago. 

XXXX XXXX  reported 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was medically retired and could not make payments because of hospitalized because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then. 

XXXX  XXXX XXXX same issue with vehicle payment above. 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was XXXX  retired and could not make payments because of hospitalized because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then. 



This member has a total of 24 positive accounts Longevity of their accounts is exceptional. However we can all see that during the time the member was injured in the military they clearly had an hiccup in finances however not in the control of the member but in the actions of defending their country. In no way should we look the the other way in issues at hand but we need to see the trend and the analysis of this member bounced back from that year until now. And because of the credit bureaus not accurately keeping up with his progression had caused a devastating blow to this XXXX military member way of living. They served 20 years of dedicated service and and we thoroughly look how they kept up with payment management overall within those years we can clear see there is a red flag on how this members credit has been managed by the bureaus and this is not fairly done. If we are going to report information it needs to be on time and accurate as it happens. It beneficial to members that work hard to keep the accuracy of their credit score as a major responsibility because its apart their transition of life. it's already hard transition from military to civilian as it is. And we are doing a disservice to this member. Look at this FICO score this member has 4 Auto loans and never has been late, two houses on record and sold with no missed payments, Time share of earned property, no bankruptcies on file and has managed his account with the upmost respect at the same time defending our country. How is that we feel comfortable with evaluating his credit score at the level as teen or someone that don't pay their bills on time. 24 exceptional accounts to maybe 3 to 4 delinquent accounts does not symbolize such a score. FICO has given member a Auto loan score of XXXX how is that possible? That's clearly inaccuracies and a severe error amongst credit reporting agencies if member maintains 4 auto loans up to date without error with these banks satisfied and the last issue member had was back in XXXX where he was transitioning out the military with making the ultimate sacrifice with defending his country. His FICO House loan credit score is a XXXX? So are we stating that his previous home loans don't count? We are telling this member that everything he has done responsibly with 20 years of service and his retirement income that they get on a monthly basis doesn't matter? The bureaus are reporting they have and income of $ XXXX? Their excuse is from the banks? How so? the average military member with 20 years of service is almost $ 30K plus if not more.. So lets highlight this.. the credit bureaus and FICO bureaus are reporting this member as being XXXX in debt with a $ XXXX income.. how? has 4 auto loans, Timeshare, living expense, credit cards and the last dated collection was dated back in XXXX and that's still questionable and being disputed for accuracy because it was around the same time member transitioned out the military.

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