Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: CA
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 NAME IS XXXX XXXX AND I AM TIRED OF THIS!!! THIS IS RIDICULOUS!!!!! I HAVE BEEN WORKING SO DILIGENTLY WITH THIS CREDIT BUREAU TO GET MY CREDIT SCORE BACK UP AND THOSE WHO KNOW, WHEN ITS LOW IT TAKES AWHILE TO BUILD IT BACK UP. I HAVE BEEN USING EXPERIANS MEMBERSHIP TO CREATE AN ACCOUNT, SO THAT I CAN MONITOR MY CREDIT SCORE, PAY OFF DEBT AND BE ABLE TO MANAGE IT! I HAVE SENT OVER TO EXPERIAN THE EXACT CORRECT DOCUMENTS THAT THE COMPANY THAT LOANED ME THE MONEY, THE PAID IN FULL RECEIPT SHOWING A ( XXXX $ ) BALANCE!!!!! SHOWING A XXXX BALANCE WITH THE ACCOUNT NUMBER AND ALL THE INFORMATION OF MY ACCOUNT ON THIS SPECIFIC RECEIPT DOCUMENT SO THAT MY EXPERIAN CREDIT REPORT IS UPDATED WITH A TOTAL DEBT AMOUNT OF ( XXXX $ )!!!!! AND IT IS STILL SHOWING THAT IT REMAINS??????!!!!!! AFTER DISPUTING IT TWICE!!!!!!!! TWICE????!!!! WHATS THE POINT OF DISPUTING AN ITEM WITH THE CORRECT INFORMATION IF ITS GOING TO STILL CONTINUE TO REMAIN ON MY ACCOUNT!!! THAT IS ABUSRD!!! AND I AM OUTRAGEOUS!!! ITS ALREADY BAD ENOUGH WITH THIS PANDEMIC GOING ON HOW HARD IT IS TO DO ANYTHING NOWADAYS, AND IM NEEDING/WANTING TO BUY A NEW CAR AND I AM NOT ABLE, BECAUSE TOO LENDERS ITS STILL SHOWING THAT I HAVE DEBT!!! IVE CALLED THE COMPANY, THEYRE THE ONES WHO GAVE ME THE XXXX RECEIPT!!! THEYRE THE ONES WHO REPORTED IT BACK IN XXXX. THIS IS INCORRECT AND UNFAIR OF MY BALANCE AMOUNT/DEBT IS STILL SHOWING A {$2200.00} DEBT!!!!!!! RIDICULOUS!!!!! I WANT TO GO ABOBE EXPERIAN NOW AND FILE A COMPLAIN WITH THE XXXX CONSUMER FINANCE DEPARTMENT AS WELL OR WHOEVER I NEED TO, TOO GET THIS ISSUE RESOLVED IMMEDIATELY!!!! IM TIRED OF THIS!!! WHY THE HECK WOULD I BE WASTING MY XXXX TIME AND YOUR TIME, TO REPORT/DISPUTE INCORRECT INFORMATION. THAT IS JUST STUPID AND THAT, I AM NOT!!!!! I HAVE ALL SUPPORTING DOCUMENTS!!!! I DISPUTE THE ITEM TO EXPERIAN SHOWING A REMAINING BALANCE FROM THAT CREDITOR OF ( XXXX $ ) AND IT STILL SHOWS IT REMAINS!!!!! ITS LIKE EXPERIAN DOESNT WANT THAT DEBT TO GO AWAY!! BUT I PAID OFF $ XXXX AS WELL TO XXXX  XXXX XXXX AND THEY IMMEDIATELY UPDATED THAT WITHIN 7 DAYS!! CHECK MY REPORT!! I PAID OFF XXXX XXXX  XXXX ON XX/XX/XXXX AND IT WAS REPORTED TO EXPERIAN AND THEY UPDATED MY ACCOUNT IMMEDIATELY!!! WHY IS IT THAT I PAY OFF MORE AND THAT GETS UPDATED IMMEDIATELY AND I PAY OFF {$2200.00} THAT SAME DAY FROM ( XXXX ) AND ITS STILL SHOWING ON MY ACCOUNT AND THE REPORT BALANCE HISTORY AS OF XX/XX/20 HAVENT GOT AN UPDATE FROM EXPERIAN SINCE XXXX!!!!!!!!!! WHAT!!!!!! IN LESS THAN 10 DAYS THAT WILL BE 60 DAYS!!!! THE COMPANY ( XXXX ) HAS FROM THE DAY I PAID OFF MY BALANCE 30 DAYS TO REPORT IT. SO IF THAT COMPANY ( XXXX ) REPORTED IT TO EXPERIAN, AND ITS STILL SHOWING THAT I OWE DEBT THATS A PROBLEM EVEN AFTER I DISPUTED THE ITEM TWICE WITH SUPPORTING DOCUMENTATION!!! I AM SO MAD!!! THIS IS JUST WRONG IN SO MANY WAYS!!!!! EXPERIAN IS THE WORST CREDIT REPORTING BUREAU IN HISTORY!!!!! THEY ARE THE FRAUDS!!

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