Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
This is in relation to the inaccurate erroneous reporting of an existing complaint I have open, due to XXXX 's erroneous inacuarte reporting of a XXXX XXXX XXXX card XXXX. XXXX made a bank error, the proof has been submitted in my current open complaint. There are at least ( XXXX ) admissions by XXXX of not having the account in their system, recording of their internal employee 's admission to bank error, XXXX 's admission to the CFPB that they do not have this account, can not locate documents, therefore can not report accurately. XXXX XXXX  XXXX XXXX submitted a XXXX XXXX, clearly citing the honest truth that this account was due to a bank error, which any of these should automatically trigger the FCRA 's sole solution which is automatic deletion from my file. In addition, when XXXX reported this incorrectly to my consumer report from a bushiness card that they made the bank error on. All of my creditors closed my accounts or reduced the " XXXX XXXX '' of credit to their new lowered credit limit. XXXX, XXXX ending in XXXX, was opened with a $ XXXX limit, XXXX XXXX has reduced it to {$5000.00} due to XXXXXXXX XXXX inaccurate reporting, along with pretty much all my creditors. This is not accurate nor in compliance with accurate reporting required by the FCRA. 
Each account should should Highest Credit Extended ( Since Inception ), Highest Utilization of Credit ( Since Inception ), Current Utilization of Credit and monthly amount amount. Also, the total length of credit history does not reflect accurately. It shows different depending on each reporting agency, there is nothing accurate accross all credit reoorting agencies. XXXX had a mixed file, meaning there was ( XXXX  ) SSN 's on my account. All of this need to be squared away so that all reporting agencies are at least reflecting accurate infortmation, currently, each one is miles apart. XXXX XXXX shows a huge disparity of information. I had XXXX excellent credit prior to this inacurate reporting from XXXX, from their bank error. I had years of XXXX inquiries, currently, each time I have disputed and XXXX, XXXX and other creditors have pulled my credit as apart of my despute ( which should be a soft pull ) they are showing as hard pulls, detrimentally effecting my credit report even more to it's detriment. All of this needs to be removed and my credit restored since XXXX inaccurately reported their bank error. XXXX needs to deliver every transcript and recording related to this ( 1 ) negative account that is due to a bank error on their side, I have provided all the documentation. Each credit reporting agency needs to ensure that ALL information on my report is accurate, free of mixed files ( as XXXX had ) and adhere to the FCRA 's regulations, which again, the sole remedy for what XXXX has admitted to the CFPB, employees with Credit Supervisor title on recorded stating bank error and the Banker 's Form submitted citing bank error, by a XXXX Branch XXXX, XXXX XXXX XXXX needs to be produced to the CFPB, All Reporting Agencies and to me as the consumer. I've requested over and over and XXXX  's only response is they don't show the account, the don't have information to provide on the account and that I would have to subpoena the records in order to get the transcripts, their recordings, the Banker 's Error form citing BANK ERROR - and ALL reporting agencies should completely go through my entire file and ensure that they are reporting accurately as required by the FCRA/CFPB and higher agencies. XXXX should be required to automatically defer to the FCRA 's sole solution to admission of not having accounts, or accurate information that they can't provide ; which is automatically deletion and my credit worthiness should be retro actively be restored to what it was that I worked my entire life to maintain as an excellent consumer.

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