Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
My XXXX XXXX credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of XXXX  XXXX of 12 month history along with the tradeline of {$600.00}. XXXX XXXXXXXX denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of XXXX XXXX for XXXX and Experian. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor XXXXl XXXX. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with XXXX   XXXX since XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. XXXX  XXXX does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not XXXX and Experian. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs XXXX and Experian have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on XXXX and Experian resulting in loss of age in credit history and fico scoring XXXX XXXX have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXXXXXX XXXX credit monitoring service as well as the Experian report. I have an old account and another active account with XXXX XXXX old account dating from XXXX that was settled and another that is active which is XXXX opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by XXXX  XXXX to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from XXXX XXXXXXXX of 602 reporting the only cra reporting it.

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