Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I just spent 3 hours trying to get into the Experian dispute site. I uploaded my drivers license and documents, over and over and over. It either timed out or said had to be in B & W. Then had to be in a .tiff. When I made it a .tiff and B & W, it would time me out or still say it couldn't verify who I am. 

Experian is using up to 16 year old loans, installments, and other items that were long ago CLOSED and adding them to my Credit Report. 

I thought I fixed this 2 years ago with them. Apparently, it's all still wrong. They are the only lying CR group out there, all items are correct on the other 2 reports. 

They are reporting items they are NOT ALLOWED TO STILL BE REPORTING. They have some made-up overview where I have " too many derogatory accounts ''. 

Here 's what they are still lying about : Few accounts paid on time. Every account I have had in the last NINE years has been paid on time. There is not 1 single example of a late payment that has happened in over 9 years. I declared Bankruptcy 9 years ago, they are STILL listing that to draw down my FICO. 

Overview says I have 27 accounts! I have 2 accounts. Since 9 years ago, Bankruptcy, I have had 2 accounts. Their lying overview says 27. 
20 installment loans 7 revolving credit No, I have 2 revolving credit, 0 installment. This XXXX  is why I declared Bankruptcy, but you have these SCAMMERS reporting out and out lies. 

I corrected all of this, starting in XXXX XXXX thru XX/XX/XXXX. They sent me a report where all of this was fixed ( after VERIFYING a {$900.00} cable bill was mine, they verified this, out of Texas! ). 

Because I couldn't get in, had to go get a free credit report from XXXX. Both of other agencies my score is XXXX and XXXX, these XXXX  have it at XXXX! 

They are reporting a 9 year old Bankruptcy. They are reporting old revolving cards as " active '', all were closed over a decade ago! If I still had those for a Bankruptcy in XXXX, I'd have included them. These were not even on my CR when I did my Bankruptcy, somehow to lie, they dug them up from the way long ago past. 

All on my CR right now in XXXX by Experian scammers : Account XXXX  XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX ( they don't have a closed date, so they simply put it back on my CR! ) Date Opened XXXX XX/XX/XXXX High Balance XXXX XXXX Monthly Payment {$0.00} Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX ( same with this, closed over a decade ago, yet here it is ) Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance XXXX XXXX  Monthly Payment {$0.00} Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past ( closed over a decade ago ) Account XXXX Account Number XXXX Account Type Revolving Account Account Condition ( closed over a decade ago ) The rest appear to be Education loans, all of which are CLOSED but they're reporting them as " Revolving Credit '', many over 10 years old, some from XXXX. 
A few of the SAME loans are on there twice : Account 1 Account DEPT OF XXXX Account Number XXXX Account Type Installment Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance $ 0 Monthly Payment {$0.00} Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past Account XXXX XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance {$0.00} Account XXXX  XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance Account XXXX XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX Account XXXX  XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance $ 0 Monthly Payment {$0.00} Account Balance {$0.00} NONE OF THESE ARE OPEN. 

They are all listed as {$0.00} balance, some for over a decade, and they are STILL actively reporting these as if I have 20 lines of revolving credit. 

I have 1 credit card. I have 1 medical credit card with 0 balance. NONE Of these should still show up actively. And because of their wrong reporting, it's lowered my XXXX 50 points below both of the other credit reporting agencies!!!