Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my credit report my credit score ratio is all over the place due to inaccurate items on my credit report factoring into my FICO Score. My overall credit usage makes no sense it is reflecting Credit Used at {$16000.00} but my Credit Limit is only {$1700.00} it is showing a ratio of 945 %. This issue needs to be addressed and all accounts reporting all inaccurate Data must be removed under SCRA Code. 
Overall Credit Usage 945 % Credit used {$16000.00} Credit limit {$1700.00} Debt Summary Credit card and credit line debt {$16000.00} Self-reported account balance ( s ) {$0.00} Loan debt {$37000.00} Collections debt {$0.00} Total debt {$53000.00} Accounts ever late 12 XXXX XXXX  XXXX {$0.00} Closed 6 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Credit Card XXXX XXXX XXXX XXXX {$1600.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX Credit Limit {$1600.00} {$1500.00} XXXX XXXX XXXX XXXX {$22000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$22000.00} {$22000.00} XXXX XXXX XXXX XXXXXXXX {$39000.00} Closed 12 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$39000.00} {$38000.00} XXXX XXXX {$0.00} Closed 6 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$46000.00} XXXX XXXX  - Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$29000.00} XXXX XXXX XXXX {$0.00} Closed 22 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$36000.00} XXXX XXXX {$18000.00} Closed 31 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$18000.00} {$43000.00} XXXX XXXX XXXX XXXX {$14000.00} Closed 5 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$47000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer ( s ) XXXX Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX XXXX XXXX. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING 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 explanation