Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On appropriately around XX/XX/XXXX I received notifications from my credit bureaus ( XXXX and Experian ) that there was an 30 day late payment posted on my credit report by XXXX XXXX Credit Card. First, I was really shock and lost of words thinking somehow I forgot to set up online automatic payment for XXXX XXXX Credit Card to take the minimum payment out of my checking account. At the time, I didn't check my XXXX checking account to see what date did the payment go through. I have over 21 credit cards ( personal and business ) and they're all in outstanding payment status, I never missed a payment on ANY of my credit cards, ever. All of the accounts are set up on automatic payment. 

As I was getting ready to contact XXXX XXXX Credit Card about the late payment notification, on the other side of the world ( XXXX ) I lost my father, mother, brother and two sister at a tragic car accident. i immediately flew out to XXXX to burry my family and forgot about reaching out to XXXX XXXX Credit Card. 

On XX/XX/XXXX, I returned back to the XXXX from dealing with my family deaths. On XX/XX/XXXX I reached out to XXXX XXXX Credit Card through online customer service still thinking somehow I missed making the payment or setting up my for automatic payment. I asked for XXXX forgiveness for making a mistake on the payment. I stated on my letter that I think there was an error on that payment. There was no way I was going to miss making my credit card payment. I'm very on top of my credit. I was told that I have to write a report to XXXX Dispute Address : FCRA Credit Bureau Disputes XXXX. XXXX XXXX XXXX, DE XXXX explaining my situation and if I have any proof ( i.e. Portion of consumer report, police report, fraud, or ID theft affidavit, court order or statements ) I should send it with the letter to that address and they will take 30 days to investigate and get back to me. 

On around mid XX/XX/XXXX, I started doing my own investigation before writing a dispute letter to XXXX XXXX Credit Card. During my investigation, I have discovered after restless day and night of going through my payment history as well looking through my checking account bank statements that MY PAYMENT WAS NOT 30 DAYS LATE as it was reported wrongfully to the credit bureaus. On my bank statement ( ATTACHED ) you will see that a payment of {$130.00} was posted on XX/XX/XXXX ( Less than 30 days late ). However, according to XXXX XXXX Credit Card XXXX statement ( ATTACHED ) you will see that same payment posted on as XX/XX/XXXX ( WHICH IS CLEARLY WRONG ). 

On XX/XX/XXXX and XXXX, I disputed incorrect payment history with XXXX XXXX Credit Card, XXXX  and Experian. I attached and mailed the bank statements as proof of the accurate payment date and other evidence. I waited for over an month to hear back from XXXX XXXX Credit Card and the credit bureaus. After waiting so long I finally received an correspondence from XXXX, Experian and XXXX XXXX Credit Card stating that the information on my credit report provided XXXX XXXX Credit Card is accurate and there's nothing wrong. 

I'm not sure how this can be true? I clearly sent all the information needed as proof of evidence ( bank statement ) showing that payment history is wrong. I'm not sure why XXXX XXXX statement it shows that XXXX XXXX Credit Card took the payment on XX/XX/XXXX ( which is before the 30 days late payment ) but XXXX XXXX Credit Card posted the payment as on XX/XX/XXXX. This most likely seems like a technical payment issue with XXXX XXXX Credit Card and 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