Experian Credit Reporting Complaint

Incorrect information on credit report account terms

Experian Credit reporting department,

Incorrect information on credit report Account terms New York

In 2016, I suddenly received noticed that my Experian account had decreased by - points. On my report, I noticed that Experian reported a delinquent payment from - of my - accounts, but neither - nor - had. When I called -, they said that there should be no payments reported as delinquent, since they were reporting all payments as on-time. I then called Experian, and they told me even *they* could n't find any record of a delinquent - payment. And, yet, in my credit report, they continue to list a recent delinquent payment. Experian 's account representative acknowledged the error, and could not find an explanation. I submitted a ticket to Experian 's engineering team, per their recommendation, and have only gotten a response that they 're working on it. Four and a half months have passed, and my Experian score continues to be at least - points lower than my - score and - points lower than my - score. No one - not Experian, not the credit repair agency I contracted to deal with the problem - can seem to figure out what 's going on. And, yet, my credit score continues to suffer because of this mysterious reporting error.

Experian customer in New York
Feb 11, 2017

* Source: CFPB Complaint Database

Experian response to complaint:
Closed with non-monetary relief

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