Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For the last XXXX  months, I have paid all accounts on my credit report constantly and correctly and Experian only updates accounts with a negative impact on my credit. When it is a account that is in good standing or will have a good impact on my credit, it is never reported on time and this happens monthly. I have been watching my credit daily and this is a fact. In order to get accounts updated that I paid off or settled, I would watch the accounts all month for an update, no update, so I would have to dispute them to get the update and score adjustment. I have been watching my credit because I am a XXXX military veteran and the house I live in needs to be demolished and rebuild due to the main support beam breaking and there are so many falling floors, house shifting, and pretty soon, this house will fall in. With the falling floors, there have been snakes, possums, and cats in the house that do not belong. There is XXXX mold everywhere also. I have my VA loan that I am trying to use but I need a XXXX mortgage score in XXXX credit agencys. I have had a XXXX mortgage score in XXXX for a few months now. XXXX and the start of XXXX my Experian mortgage score XXXX. I paid another credit card off that was charged off, paid all my bills on time and correctly, so I'm waiting for my score update, and most of my accounts were not updated. Weeks later, my monthly credit card accounts and bills were updated slowly, very slowly, because again, these accounts would have a positive effect on my score. My account with sezzle was the charge off that I paid was not updated so I had to dispute it so they would update it. This is what happened during the dispute. Other negative accounts were added to my report from out of nowhere. I only disputed sezzle, and it looks like they were holding negative accounts, just to add them at the perfect time to equal out positive accounts, to keep my scoring down. They added a collection account from credit XXXX bank, it is XXXXXXXX XXXX  {$770.00} balance. This account was charged off twice costing me points, they said it was charged off in XXXX and again in XXXX, at this time it wasn't on my report. All kinds of other late payment flags and still nothing on my report. This collection was back dated to XXXX and said it opened in XXXX and updated in XXXX. So, they did all of that on my report with no account showing on my end, which is not true, but waited until XXXX with my final account paid, and threw all this on me and backdated everything and again, they charged it off twice and I have the screenshots attached for you to see. If they charged it off first in XXXX, shouldn't that mean they have it, they are reporting it to me in alerts, but saving for months til my score gets OK, to throw it in me XXXX. If it was reported XXXX, it might not of hit me so hard now because it's been a few months old and all those things they did to me in XXXX from credit one wouldn't be valid. Since it was first charged off in XXXX that means XXXX XXXX has the account because I called them back around that time to pay it and they said I couldn't with them because they sold the account, if this is true, how can they hit me with another charge off in XXXX ( credit XXXX bank ). This is just ridiculous, it feels like the credit agency is trying to keep people down. This is actually the second time they have done this to me but it was years ago and also I heard a few stories exactly like this on reddit. Why do they do stuff like this, whenever it's something bad like a late payment they throw that on you quick, but pay an account off like sezzle, they won't update your report for weeks, months even. Also, they will hold bad things like collections and add them to have maximum effect on your credit and date everything to cost you points. Additionally they said the XXXX XXXX account was opened XX/XX/XXXX, but it was flagged as collections XX/XX/XXXX, why did they wait to flag it like this if it is a collection from the start, they probably couldn't do that because they just added the account to my report XX/XX/XXXX, and backdated everything and could probably only flag it after they put it on my report. My mortgage score dropped over XXXX points from this collection added to my report. I paid the collection a few days after they added it and my mortgage score went up only around XXXX points. XXXX, all of my accounts that would have a good effect on my credit were not updated til around the first week of XXXX. I had XXXX account, XXXX bank, where the credit usage went up on this account, which would have a negative impact, guess what, this account was updated immediately, around the first week of XXXX. Also, I have a account in Experian boost, XXXX XXXX, which is my car insurance payment. I saw that they had my payment in XXXX and XXXX, so I just needed to make payment in XXXX and It would be added to boost and give me a few points. I watched it over and over and nothing. I looked in the payment history and the XXXX payment was missing. This is crazy, I have a payment through XXXX in XXXX for this, they know it, and decided to do this. It looks like they are trying everything to keep my score down. My mortgage score is XXXX now after multiple months of positive payments, paying off charge offs, and paying that collection that cost me lots of mortgage points and still my score has not passed XXXX again. What am I supposed to do. My other credit scores from XXXX and XXXX are constantly XXXX points above Experian. Something is not right.

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