Consumer complaint received 2017-02-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
MY EXPERIAN CREDIT REPORT IS NOT UPDATED CORRECTLY AFTER MY BANKRUPTCY ON XXXX OF XXXX. I NEED TO HAVE EXPERIAN TO UPDATED TWO ACCOUNTS CORRECTLY ON MY CREDIT REPORT ACCURATLY TO SHOW THE CORRECT INFORMATION ON FILE AND I OBTAIN A CAR LOAN WITH CREDIT ACCEPTANCE IN XXXX XXXX OF XXXX AND THEY ARE REPORTING A WRONG DATE THAT IS OPEN AND I NEED TO HAVE THE DATE CORRECTED AND SECOND I HAVE MY CAR LOAN AGREEMENT THST SHOWS THE CORRECT DATE, THE TRADELINE OF THE ACCOUNT AND THE PAYMENTS THAT I HAVE MADE ON THE ACCOUNT AND I NEED TO HAVE THIS STAY ON MY CREDIT REPORT AND NOT REMOVED SINCE I HAVE MADE ALL OF PAYMENTS ON TIME. GETTING BACK TO TWO ACCOUNTS THAT NEED TO BE UPDATED THE FIRST ACCOUNT IS XXXX CARD. ACCOUNT NUMBER XXXX I HAD A DISPUTE WITH THIS ON ANOTHER CREDIT BUREAU AND THIS ACCOUNT DISPUTE WAS SENT TO XXXX OF XXXX BT CONSUMER FINANCIAL PROTECTION BUREAU LAST YEAR IN XXXX OF XXXX. ON THE DISPUTE I WAS DISPUTING THE ISSUE OF THIS BEING NOT PART OF BANKRUPTCY WHICH LATER ON IT WAS ADDED TO MY BANKRUPTCY AND IT WAS SHOWN ON MY CREDIT REPORT AS PAY ACCOUNT AND SHOWN DATE PAY XXXX XXXX XXXX. IT SHOWING AS THE ACCOUNT CLOSE AS XXXX XXXX XXXX.ON MY EXPERIAN CREDIT REPORT IT NOT SHOWING NOTHING LIKE THAT. ON MY EXPERIAN CREDIT REPORT IT SHOWING ZERO BALANCE AS OF XXXX XXXX XXXX WHICH IS NOT ACCURATE .IT SHOWING FIRST REPORTED XXXX XXXX NOT ACCURATE. SECOND IT NOT SHOWING A CLOSE DATE SINCE BEFORE I FILE BANKRUPTCY IT WAS SHOWN AS CHARGE OFF IN XXXX OF XXXX WITH A BALANCE OF {$410.00} AND I MADE A PAYMENT ON XXXX XXXX OF $ 250.00WHICH SETTLED THE ACCOUNT. BUT ON MY CREDIT REPORT IS DOESNT SHOW MY PAYMENT THAT I HAVE MADE IT SHOWS A ZERO BALANCE ON THAT DATE WHICH I AM DISPUTING. SECOND THIS ACCOUNT WAS PAY ACCOUNT AND NOT SHOWING ANY NEGATIVE REMARKS ON MY CREDIT REPORT. THSI ACCOUNT SHOULD BE ADDED AS POSITIVE ON BANKRUPTCY NOT NEGATIVE. SECOND ON THIS ACCOUNT THIS ACCOUNT WAS CLOSE IN XXXX NOT XXXX AND THE FIRST DELINQUENCY WAS IN XXXX OF XXXX NOT IN XXXX OF XXXX THEY ARE REPORTING. I HAVE A LETTER FROM XXXX OF XXXX AND I HAVE A LETTER FROM XXXX THAT STATES THE CORRECT INFORMATION AND I HAVE MY CREDIT REPORT DATING FROM XXXX XXXX, XXXX REPORT NUMBER XXXX AND REPORT NUMBER XXXX DATED XXXX XXXX XXXX AND I HAVE MY CREDIT CARD STATEMENTS FROM THAT TIME TO SHOW ANOTHER OF MY DISPUTES. MY CREDIT REPORTS SHOULD BE USE AS A DISPUTES SINCE THAT HOW CREDITOR UPDATE ONE FILE AND LOOKING AT THIS CREDIT REPORT I BELIEVE MY DELINQUENCY DATE IS EARLIER, I WANT THIS ACCOUNT UPDATE CORRECTLY WITH MY PAYMENT I MADE, THE DATE THIS ACCOUNT WAS CLOSE CORRECTLY AND IT SHOULD BE SHOWING A ACCOUNT IN GOOD STANDING NOT NEGATIVE. CREDIT ACCEPTANCE IS REPORTING A WRONG OPEN DATE ON MY ONLINE EXPERIAN CREDIT FILE AS XXXX XXXX XXXX. THIS ACCOUNT WAS OPEN ON XXXX XXXX XXXX AND NOT XXXX XXXX XXXX AND I WANT THIS DATE UPDATE TO SHOW AS SUCH. I HAVE INCLUDED MY FINANAZE AGREEMENT WHEN I PURCHASE THE CAR TO SHOW THE CORRECT DATE AND IT SHOWS THE TRADE LINE OF THE ACCOUNT AND I ALSO INCLUDED MY PAYMENT THAT I HAVE MADE SINCE XXXX OF XXXX TILL XXXX OF XXXX. I SHOULD HAVE 9 PAYMENTS SHOWING ON CREDIT REPORT AND MY ONLINE EXPERIAN CREDIT REPORT. NET CREDIT ACCOUNT NUMBER XXXX THIS ACCOUNT IS REPORTING WRONG INFORMATION ON MY DISCHARGE ACCOUNT, FIRST THE DATE REPORT OPEN IS CORRECT IT WAS OPEN ON XXXX XXXX XXXX. AND I MADE MY LAST PAYMENT ON XXXX XXXX XXXX .THERE WAS A BALANCE STILL LEFTED WHICH I DIDNT PAY. SO MY DELINQUENCY DATE SHOULD BE XXXX XXXX XXXX. I NOTICED ON MY EXPERIAN CREDIT REPORT IF SHOWS FIRST REPORTED XXXX OF XXXX THAT DATE IS INCORRECT .ALSO ON MY CREDIT REPORT IT WAS SHOWING BEFORE 120 DAYS FROM XXXX XXXX XXXX OF XXXX BUT LOOKING AT IT NOW IT SHOWS 120 DAYS FROM XXXX XXXX 150 DAYS XXXX OF XXXX THEN 180 DAYS FROM XXXX 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