Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding several attempts to close and charge off my credit card account. 
Over the past few months, I have experienced a series of issues that have caused undue stress and financial hardship due to the mishandling of my credit card account by your company. I would like to outline the key problems I have encountered : On multiple occasions, I have made timely payments on my credit card account, well before the due date. However, there have been instances where these payments were not accurately reflected on my account, resulting in late payment fees and negative impacts on my credit score. 

I have not received consistent communication from your company regarding the status of my account and any changes in its terms. This lack of transparency has made it difficult for me to manage my finances effectively. 

To my surprise, I recently learned that my account has been subject to charge-off attempts, despite my efforts to resolve any outstanding issues and make necessary payments. This has had a severe negative impact on my credit history and financial well-being. 

My attempts to resolve these issues through your customer service department have been met with long wait times, unhelpful representatives, and a lack of clear solutions. This has only added to my frustration and XXXX. 

I understand that managing a credit card company involves various challenges, but the repeated mishandling of my account has become unacceptable. I believe that these issues are a result of errors and miscommunication within your organization. 

I kindly request the following actions to rectify the situation : Review and correct any inaccuracies in my account related to late payments and charge-off attempts. 

Provide a detailed and transparent explanation of the circumstances leading to these issues and outline steps taken to prevent their recurrence. 

Remove any late payment fees and negative credit reporting related to these inaccuracies. 

Improve the accessibility and effectiveness of your customer service department to ensure that customers can receive timely assistance and resolutions. Please assist me to remove the following items : 1. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.

2. DEPTEDXXXX  XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.

3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW.

4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.

5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.

6. XXXX XXXX XXXXBalance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

7. XXXX XXXX Balance Owed : {$200.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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