Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

Greetings, This new complaint is associated with the now closed complaint number XXXX. XXXX XXXX sent correspondence to Experian and the XXXX other reporting agencies informing them that the XX/XX/year> delinquency should be removed from my credit file. After multiple calls, the delinquency was removed. On XX/XX/year>, the XXXX points that I lost on my FICO score was added back, moving my credit rating back to good from fair. 

Today, XX/XX/year>, I received another alert from Experian indicating that my FICO score had dropped XXXX points for a delinquency in XXXX. I called Experian at XXXX XXXX today and explained to the representative that the correction was just made for XXXX and now XXXX is showing a delinquency. I also informed the Experian representative that I do not have a balance on my XXXX XXXX XXXX nor have I been late. The Experience representative informed me that she understood my concern, but that Experian only makes updates based on the information they receive from creditors. 

I then contact XXXX at XXXXXXXX XXXX at XXXX am. XXXX is the individual who was assigned to the original complaint filed with the CFPB. I explained to XXXX what had occurred. She indicated that she does not know how this could have happened. XXXX could see on her end that I am not late for XX/XX/year>, nor do I have a balance. XXXX also indicated that XXXX XXXX would have not sent any information to the credit reporting agencies because my billing cycle for XX/XX/year> has not closed. XXXX indicated that she would give Experian a call, but she could not send correspondence asking for a delinquency to be removed because she did not see any negative information on her end. I informed XXXX that I would follow up with her next week. 

At XXXX am, I call Experian once again and spoke with XXXX. I informed XXXX that XXXX XXXX does not see anything on their end and that they would not have reported anything for XX/XX/year> since the billing cycle had not closed. XXXX said he would file a dispute on his end ; he was sending it to Experians investigative department. I asked XXXX what the process is in terms of filing the dispute. XXXX informed me that he could not provide any information as to the process. I then asked XXXX to connect me to someone in the investigative department. XXXX informed me he could not. 

My concern is that I am spending so much time and effort facilitating the correction of an error that I did not cause. My greater concern is that credit reporting agencies wield so much authority and power over our lives and yet we are limited to speaking with customer service representatives who read from scripts. IT would be help if the American people could actually speak with those who can provide substantive answer to our questions and concerns. 

I need to know when will my credit report be corrected and who is causing the error. Will the error move to XXXX when XXXX is correct? Both entities, XXXX XXXX  and Experian is indicating the other is causing this error. In the meantime, I am the one dealing with the fallout of a XXXX drop in my XXXX score once again.