Consumer complaint received 2025-02-04 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:
I submitted a complaint on XX/XX/XXXX, and the complaint ID is XXXX. My complaint was that several accounts showed a continuously high balance, even after making punctual or early payments each month. For example, TransUnion and Equifax display my XXXX  account, which was opened on XX/XX/XXXX, and shows that I maintained a high balance of {$13000.00} from XX/XX/XXXX to XX/XX/XXXX when I was making monthly payments, reducing the monthly balance. 

I have several accounts with the same erroneous data. My XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX, was the only account corrected in my initial complaint back in XXXX. My original credit reports show my XXXX XXXX account continually carried a high balance of {$14000.00} every month since XX/XX/XXXX. I have never charged {$14000.00} on the account, nor has the account ever accrued interest because of a balance. The Credit Bureaus corrected this issue but started the issue again with this same account in XXXX and XX/XX/XXXX. 

My XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account opened in XX/XX/XXXX was the only account that any of the Credit Bureaus addressed. I have several accounts with inaccurate entries. 

My XXXX XXXX XXXX XXXX car loan opened on XX/XX/XXXX, reported that I carried a high balance of {$17000.00} from the time the account was opened until I paid the loan balance in full in XXXX. It did not reflect the lower balance after I made monthly payments each month. 

This is a pattern that is continuously repeated throughout my credit report. 
My XXXX XXXX XXXX XXXX XXXX account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The Credit Bureaus reported that the high balance on this card remained at {$2900.00} for the entire time I had this card. 

My XXXX XXXX XXXX XXXX XXXX  loan was established on XX/XX/XXXX. When the account was opened, the high credit was {$260.00}, XXXX. After making every payment on time, the high balance remains at {$260000.00}. 

My XXXX XXXX account was opened On XX/XX/XXXX, and was closed on XX/XX/XXXX. My account was reported by the Credit Bureaus that I had a high balance of {$13000.00} for the life of the loan. It did not reflect monthly payments to reduce the high balance each month. 

My credit report shows I opened a XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and closed on XX/XX/XXXX. The report continues to reflect incorrectly that I carried a high balance. My XXXX account shows a high balance of {$5200.00} for the life of this account. It did not reflect monthly payments to reduce the high balance each month. 

My XXXX XXXX  XXXX  account was opened on XX/XX/XXXX. It was reported by the Credit Bureaus that I had a high balance of {$11000.00} until the card was closed on XX/XX/XXXX, and I never had a purchase for {$11000.00}. The charge was for around $ XXXX and I made monthly payments until it was paid in full on XXXX XXXX, XXXX. 

My XXXX credit card account was opened on XX/XX/XXXX. This account also shows I have carried a high balance. My XXXX  is being reported, I have maintained a high balance of {$14000.00} until I closed my account on XX/XX/XXXX. It did not reflect monthly payments to reduce the high balance each month. 

An older XXXX XXXX XXXX XXXX credit card was opened on XX/XX/XXXX. The XXXX Credit Bureaus reported that I had a high balance of {$20000.00} after closing the account on XX/XX/XXXX, less than XXXX month from the time the account opened. I never had a balance/charge of {$20000.00}. 

Another old XXXX XXXX XXXX XXXX credit card was the strangest of them all, the account shows opened on XX/XX/XXXX. The date of the last payment was reported as XX/XX/XXXX ( before the account was opened? ), and the credit bureau is reporting I carried a high balance of {$30000.00} and I never had a charge/balance of {$30000.00}. How could my last payment occur before the account was opened? 

XXXX XXXX XXXX XXXX credit card shows the same issue. It was opened on XX/XX/XXXX. The last payment was on XX/XX/XXXX. This account was also inaccurately reported by the XXXX credit bureaus that I had a high balance of {$1400.00}. How could the last payment be made before the account opened date? 

In XXXX, I had a credit report score of XXXX. In XXXX, my scores started going down to XXXX. Today my credit score is XXXX. I called the credit bureau to find out why, their answer would always be your credit is too young. In XXXX, my credit score started dropping even faster like XXXX plus points at a time. My auto and homeowners rates have risen, after 25 years with my insurance company because of these multiple reporting errors. My credit started at the age of XXXX XXXX XXXX, I have never maxed out any credit cards and never missed a monthly payment, so my credit should be immaculate. I would like all the above-mentioned accounts to be corrected and a report that reflects the corrections at your earliest convenience as this has cost me time, money, and stress. 

Regards, XXXX XXXX. XXXX

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