Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: MI
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:
I just spent 3 hours trying to get into the Experian dispute site. I uploaded my drivers license and documents, over and over and over. It either timed out or said had to be in B & W. Then had to be in a .tiff. When I made it a .tiff and B & W, it would time me out or still say it couldn't verify who I am. 

Experian is using up to 16 year old loans, installments, and other items that were long ago CLOSED and adding them to my Credit Report. 

I thought I fixed this 2 years ago with them. Apparently, it's all still wrong. They are the only lying CR group out there, all items are correct on the other 2 reports. 

They are reporting items they are NOT ALLOWED TO STILL BE REPORTING. They have some made-up overview where I have " too many derogatory accounts ''. 

Here 's what they are still lying about : Few accounts paid on time. Every account I have had in the last NINE years has been paid on time. There is not 1 single example of a late payment that has happened in over 9 years. I declared Bankruptcy 9 years ago, they are STILL listing that to draw down my FICO. 

Overview says I have 27 accounts! I have 2 accounts. Since 9 years ago, Bankruptcy, I have had 2 accounts. Their lying overview says 27. 
20 installment loans 7 revolving credit No, I have 2 revolving credit, 0 installment. This XXXX  is why I declared Bankruptcy, but you have these SCAMMERS reporting out and out lies. 

I corrected all of this, starting in XXXX XXXX thru XX/XX/XXXX. They sent me a report where all of this was fixed ( after VERIFYING a {$900.00} cable bill was mine, they verified this, out of Texas! ). 

Because I couldn't get in, had to go get a free credit report from XXXX. Both of other agencies my score is XXXX and XXXX, these XXXX  have it at XXXX! 

They are reporting a 9 year old Bankruptcy. They are reporting old revolving cards as " active '', all were closed over a decade ago! If I still had those for a Bankruptcy in XXXX, I'd have included them. These were not even on my CR when I did my Bankruptcy, somehow to lie, they dug them up from the way long ago past. 

All on my CR right now in XXXX by Experian scammers : Account XXXX  XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX ( they don't have a closed date, so they simply put it back on my CR! ) Date Opened XXXX XX/XX/XXXX High Balance XXXX XXXX Monthly Payment {$0.00} Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX ( same with this, closed over a decade ago, yet here it is ) Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance XXXX XXXX  Monthly Payment {$0.00} Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past ( closed over a decade ago ) Account XXXX Account Number XXXX Account Type Revolving Account Account Condition ( closed over a decade ago ) The rest appear to be Education loans, all of which are CLOSED but they're reporting them as " Revolving Credit '', many over 10 years old, some from XXXX. 
A few of the SAME loans are on there twice : Account 1 Account DEPT OF XXXX Account Number XXXX Account Type Installment Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance $ 0 Monthly Payment {$0.00} Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past Account XXXX XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance {$0.00} Account XXXX  XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance Account XXXX XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX Account XXXX  XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance $ 0 Monthly Payment {$0.00} Account Balance {$0.00} NONE OF THESE ARE OPEN. 

They are all listed as {$0.00} balance, some for over a decade, and they are STILL actively reporting these as if I have 20 lines of revolving credit. 

I have 1 credit card. I have 1 medical credit card with 0 balance. NONE Of these should still show up actively. And because of their wrong reporting, it's lowered my XXXX 50 points below both of the other credit reporting agencies!!!

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