Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received several emails from so-called Experian on results of credit report disputes, credit score information, credit cards offer, saving offer, car loan offer, and service for the consumer individual saving. I would like to inform a following issues, which I have already sent to Consumer Financial Protection Bureau. There are three email addresses which relate with Experian, XXXX, XXXX, and XXXX. The first email address, XXXX sent many offers, which do not relate with credit report at all. Other two emails offer credit report. The first one has the website of Experian, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registration. After I wrote about this much, I tried to find out the links of these two credit reports. I found out the former one, which I believe it was the information of credit report or, otherwise, the information of saving accounts, turned into the credit cards offer link XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

In these credit reports, there are the mentions of my credit cards account. It looks I have two accounts, which both start from XXXX. In usa.experian.com, the first account record says the account was open XX/XX/XXXX, and this one I agree. However, the account was closed in XX/XX/XXXX, even though I still use. And its balance history was {$0.00} from XX/XX/XXXX, which was the remaining record or observable record in website. And this account was closed due to the customers request, but I never asked to close to XXXX XXXX XXXXXXXX. Another account record of same account number says account was opened on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) is the contact number for both accounts. Another Experian credit report seemed to say the monthly payment ; however, now after 20 mins., the report says {$0.00} payment, even though I must have had the payment. 

Since I have observed that these two Experian credit report suppliers change the content of report in the name of the result of dispute without my request, such as the year of my birth and one questionable function, fraud alert, which disappears after I requested, then appears again to add fraud alert nest time ; that means, the latter Experian asks me to add fraud alert every time, even though, now, there are extended fraud alert. Since the contents of these reports are not reliable, especially on internet, I would ask Experian, addressed Experian, XXXXXXXX XXXX XXXX  XXXX, TX XXXX To provide the formal written credit report. As far as I remember, I have not received any from this company, even though other three credit report companies have sent the formal written one to me as their evidence to let me dispute properly. 


Sincerely,

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