Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
Experian is removing items from my credit report that should be there again. The XXXX XXXX credit card, my first credit card, has been removed from my credit report for no reason. It is a valid account. It is accurate information. I submitted a dispute in XXXX because experience had changed some things on my credit report that should not have been changed, like the spelling of my middle name. That was done while I was on the phone with an Experian representative that I was speaking to regarding the XXXX XXXX  credit card account that was just added to my credit file. Instead of doing a proper investigation, Experian removed the trade line. I spoke with XXXX XXXX on XXXX XXXX, and because it is a card that helps build credit, they verified that, indeed, they do report to all three credit reporting agencies. XXXX XXXX was unaware that this card was removed from my Experian credit file. This card is showing on my XXXX and XXXX credit reports. 
When I spoke with Experian, they informed me that XXXX XXXX sent them the information that stated that this trade line needs to be removed, and after speaking with XXXX XXXX, that is an inaccurate and untrue statement. I have called Experian several times to try to get this resolved. The phone representatives are rude. They talk over me, and I experience longer than usual dead silence on the line; I am Not sure if I was hung up on or if I'm being transferred to a supervisor.I asked to speak with supervisors, and unfortunately, I never got one. Experian is manually manipulating my credit file on their own terms for no reason, despite the accurate information my credit card companies are sending them. This is not my first complaint. This is the most current of a series of complaints against Experian regarding my credit file. Experian has done this on another XXXX of my trade lines. I disputed the XXXX XXXX  credit card trade line because the date it was opened was incorrect. Instead of Experian investigating the information, they just removed that trade line without verifying the information provided. This time, all the information was correct when that credit file was added for the XXXX XXXX  credit card. However, my credit score did not reflect any of that information, and Experian told me that I'm an authorized user ; because of that, none of that information will be reflecting my credit file, not the utilization, not the credit history, not the available balance, none of that data is reflected on my credit file. The XXXX XXXX  card is on my credit report, but none of the reported data is reflected on my credit file ; in fact, Experian lowered my credit score the day that card was added to my credit file. When I called them about the XXXX XXXX  credit card, to my surprise, I was told they would add it back to my credit file within 24 hours, which makes no sense. It should not have been removed in the first place, and they added it back without investigation, and that's because they said it would be done within 24 hours, doing a proper so I know a proper investigation was not completed. It just hung up. Experience and their algorithms are XXXX ; unfortunately, my name is XXXX XXXX. I am a XXXX XXXX XXXX, and my name reflects that.

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