Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
this is the letter is sent XXXX Credit Bureau Dispute Unit XXXX XXXX XXXX XXXX XXXX, SD XXXX on XX/XX/XXXX : I am writing to this department to address an issue I have with the reporting of my XXXX XXXX credit card account xxxx xxxx xxxx xxxx to all three credit bureaus ( Experian, XXXX, and XXXX ). The primary account holder is SS # xxxxxxxxx of ( address and ph # removed ) and I am the authorized user on the account ; ( information removed ) This account has always been reported to my ( Authorized user ) credit report with all three bureaus for the past ten plus years as an authorized user. In XX/XX/2021 the aforementioned XXXX account dropped off from all three credit reports even though the account is active and in good standing. I researched your company as it pertains to authorized users and have determined it is your ( XXXX ) policy to report authorized users to the credit bureaus and have confirmed this with your customer service agents on XXXX separate calls I made to address this issue from XX/XX/2021. Unfortunately, I have received varying responses from the agents pertaining to this issue. Both my mom and I called and confirmed the SS # on the account and verified the addresses to ensure that the correct information is on file. Just recently I was informed that I had to submit this request to the Credit Bureau Dispute Unit and that the Customer Service Agents could not assist me ; I wish I was told this back in XXXX when I first started calling. 

My request is simple ; I would like this account to be reported on my ( Authorized User ) credit report with all three bureaus ( XXXX, Experian and XXXX ). Attached you will find a copy of my XX/XX/XXXX reports from XXXX and Experian, I was not able to pull a historical report on the XXXX website, but the account was being reported to them as well. XX/XX/XXXX was the last time it was reported to the three credit bureaus ; the XXXX reports do not have any information reference to the XXXX account. I will include the XX/XX/XXXX XXXX report to show the omission. Let me know what else you may need. 

Sent a new letter on XX/XX/XXXX : Update XX/XX/XXXX : Upon receipt of your response dated XX/XX/XXXX ( attached ) you indicated that the acct/card above ( information removed ) is being reported to all three major consumer reporting agencies and to contact them directly in reference to the account not showing up on any of my credit reports. Upon learning that I wrote a similar letter to all three agencies asking for them to kindly report the information on my credit report. On XX/XX/XXXX I received a letter in response from XXXX ( attached ) that indicated that they are not receiving the account information from XXXX. Now I am confused. Which one is it? Can you please report the account ( information removed ) to the XXXX major reporting agencies as it was prior to XX/XX/XXXX? 

I have made numerous calls and sent numerous letters to XXXX as well as the credit reporting agencies, they are all pointing the finger at each other as who is responsible for the reporting mishap. Please help me, this is negatively affecting my credit score and the inaccurate report is affecting my ability to get approved for a reasonable rate mortgage and vehicle loan and the higher interest charge will cost me thousands of dollars all because of inaccurate and missing information that no one wants to be responsible to fix. 

thank you

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