Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been 30 days since I have paid balances on my accounts. I have forwarded letters to the credit bureaus to correct this incorrect information being reportedly innaccurately. I have attached my credit report for review and I am still finding errors with balances, dates, payment history, payment status, account status, negative remarks on my credit report. According to the investigation done these accounts have not been updated or removed and the accounts that were updated were still reporting incorrectly. I have excercised extreme patients with the credit bureaus and corporations furnishing negative information on my credit report. Due to the lack of information being furnished with 100 % accuracy I have had adversed actions taken against me preventing me from being able to purchase a car. We rely on all three credit bureaus for maximum accuracy when furnishing items on our credit report and this is still incorrect preventing me from still being able to qualify for a home loan and car loan. I need these items removed immediately as the information is incorrect. The data points are incorrect and the payment history. I no longer am looking for the information to be updated. I need these accounts deleted as this is going to set me back further. These bureaus should be able to update this information accurately and as quickly as they do when they choose to report negative items. I have had authorized user accounts not reporting on my credit report. I have accounts being furnished on my report with incorrect balances and promises to remove them from my account after payment. I have accounts being reported as derogatory after payments and charging off the account and having collection agencies harass me and still no updates to my account. I only want to make myself better and I'm looking to leave my past behind. I am more responsible and I fell on hard times and Captial One decided to close down all my accounts in which some I have never had a late payment on. This is inhumane. I am looking to get all my negative accounts removed in the next 15 days. If this will not be done I will have no choice but to litigate and will no longer look to settle with these companies not reporting 100 % accurate information on my credit report. These accounts need to be removed immediately and I will not accept anything else. I have had a charge off being reported on my account inaccurately. Update all accounts to paid as agreed. Creditors need to remove my accounts in which errors are found. This needs to be completed immediately. Late payments are being report and account activities and status updates are incorrect please remove from my report. Please remove all my old addresses as I no longer live in those locations and my current address is the most updated. I do not want any correspondance going to those address and potentially leading to fraud. Please remove all addresses that are not my current address from my account

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