Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I currently have a credit card for the company XXXX which is provided by the company " XXXX XXXX. '' Back in XX/XX/XXXX, I submitted an update to have a new checking account added to my profile via the website for XXXX XXXX. The website had technical issues because it never added the account and caused a payment issue. I found out because the company contacted me to say that I was behind on a payment, when I had already submitted it with ample time. The same issue occurred XX/XX/XXXX, I resubmitted via the website to add the new account and submitted the payment for that same checking account and again, XXXX XXXX had the same issue. So, they then needed to add the account manually through a supervisor in XX/XX/XXXX. Once everything was finally updated, payments cleared through the account. The supervisor ensured me that due to this NOT being my fault, and it was a technical issue with the website for 2 months in a row, she would credit me the 2 late fees that I was unaware of. I also had asked her if this would be reported negatively to my report and she also assured me, that it would NOT be reported negatively. During this time, I was also homeless so I did not have funds to be financially stable, but I found a way to not only get my account paid but also now I've been sending chunk payments every month as of XXXX and XXXX so over 97 % of the credit has been paid down. Now, that I have access to my credit report as of late XXXX, I started to utilize credit services more and see that the 3 credit bureaus all reflect I am late 2 payments for " XXXX XXXX. '' All of this was of no fault of my own, but even as a homeless man, I did my due diligence to submit my checking account and paid on time every month. This company needs to remove this because their faulty system was the issue and " XXXX XXXX '' was willing to refund me the late fees AS PROOF, that they were in the wrong. It took them 2 months to get my new account added, and the payment to finally process. They admitted it was a tech issue. This has caused negative impact in my score for years and has hurt me from having better employment opportunities, as well as has hindered me from applying for credit cards or even qualifying for credit limit increases. I submitted about 2 or 3 contacts via mail in form of dispute letters in XXXX, and via phone to have this removed, but the company will not budge, even though supervisor admitted due to website issues, they would give me late fees removed. So, if late fees are removed, why is it still reporting late to the bureaus? Doesn't make sense. Please have them remove from all 3 credit bureaus asap as I'm fixing my credit of inaccuracies in order to buy my 1st home soon. Thank you.

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