Consumer complaint received 2019-01-30
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:
Recurring automatic payments established on the account were all processed with exception of the final payment. 

I have been back and forth with XXXX XXXX XXXX  since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. 

This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... 

I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. 

Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new XXXX Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. 

The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. 

This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. 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 non-monetary relief