Consumer complaint received 2024-09-08 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: FL

Complaint narrative:
I XXXX XXXX am reaching out to the CFPB for help pertaining to FCRA violation ( s ) from the credit reporting agency Experian. I have notified Experian of all these violation ( s ) and issues which I will attach in the following documentation. They have deliberately even after being notified continue to keep reporting misleading, false & inaccurate information on my consumer credit report. This is pertaining to XXXX  XXXX XXXX under account # XXXX for report # XXXX that was generated from the dispute result ( s ) on XXXX XXXX XXXX. Not only is this documentation attached they are reporting 30 day late, 60 day late and a chargeoff remark for a XXXX  XXXX XXXX secured card that was paid in full and this account was never late. Additionally, there is a no data for this period remark for XX/XX/XXXX yet they have posted under balance histories a balance on this credit card yet how is this possible with no data this is severly misleading. To make matters worse for XX/XX/XXXX there was a balance under balance histories of {$3300.00} as being stated on this card yet there was a scheduled payment for {$140.00} and there is no payment ( XXXX ) said being made on this account from XX/XX/XXXX so how did the balance drop {$3000.00} all of a sudden in XXXX of XXXX  if there is no data for this period. Not only is this consumer reporting agency reporting inaccurate information they are reporting an account as charged off, late for 2 months & no data available with a balance history section and payment history section that does not reflect the status of the account or the right information pertaining to this XXXX  XXXX XXXX account that was never late and paid on time. Additionally, this account is a secured credit card meaning type of credit card that requires a one-time, refundable security deposit from the cardholder. So not only was this my money not only did I not get my security deposit back this account is reporting delinquent when it was never delinquent as I am the original creditor and my money was what allowed this account to exist. The way that it was reporting before the dispute and after the dispute is still affecting my credit for the worse and if the account is paid and closed under status how is this account charged-off XXXX and if the account is closed why is there no closed remark under payment history if status of the account says paid and closed. To make matters worse it says {$3300.00} was written off but there was no written off balance if the account was paid and closed XXXX  There is a multitde of issues with this account reporting and if this account isn't furnished properly with the payment history, balance histories, and status I will look to file a lawsuit in federal court aganist Experian for their violation of my consumer right ( s ). They did not notify me of how this information was verified upon request or that an investigation was underway and/or when it closed.

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