Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To Whom It May Concern, RE : XXXX XXXX XXXX XXXX. 
During the Covid-19 Pandemic in XXXX, I personally experienced Financial Hardships, loss of income, and loss of employment or financial opportunities due to the Covid-19 Pandemic and the past economic situation. Never in 40 plus years of credit use, did I ever have a late payment noted on my Credit Reports.

My major source of income was from the Pandemic Unemployment ( PUA ) Insurance which I was receiving since late XXXX of XXXX, this PUA Insurance was eventually DENIED and cut off in XXXX of XXXX, due to a mix-up of my Employment Job status with my part-time and on-call jobs in addition to my Full-Time Self Employment during the XXXX  year. After contesting and appealing my case to the Hawaii State Pandemic Unemployment Appeals and customer relations with past W-2 tax documentation and 1099 tax forms with other documents, my situation was only partially resolved in XXXX of the Next Year XXXX and in later XXXX of XXXX. This left me with no main source of income to cover basic living expenses and bills since XXXX of the XXXX XXXX year. 
I asked each of my credit card companies for an accommodation in XXXX during that time of extreme financial hardship including XXXX XXXX XXXX XXXX. All of them provided an Accommodation except for XXXX XXXX XXXX XXXX. I contacted them and instead of providing an accommodation, they proceeded to take out 2 unauthorized minimum payments from my bank account without notice and therefore the payments had bounced due to fraud detection or lack of funds in the bank accounts during the time. 
Upon calling XXXX customer service after receiving a letter in Late XXXX of XXXX, I noticed a late mark on my Credit report for early XX/XX/XXXX. The payment was not late ( They immediately took out 3 payments from checking accounts ).

They told me that there was absolutely nothing I can do about the Late Payment mark on my Credit Reports and gave me no other options even if I asked for an accommodation due to losses from the pandemic. I did not know my options or that I could write a complaint to FRCA until finding out from a friend. 
During this time in XXXX and XXXX of XXXX there were no phone calls to me or letters, I received a letter later in the month ( after they already put a Late Payment on my Credit Reports ) stating that my ACH payment had bounced ( due to unauthorized deduction ). Furthermore, they took amounts out from my bank accounts listed in their system without authorization. 
This 1 Late Payment reported in my Credit Report has affected my ability to refinance the Loan and Credit card balances that accumulated during the Covid-19 pandemic in XXXX My Credit Scores went from an Average of XXXX then down to a XXXX after that 1 late payment reported by XXXX XXXX XXXX. 
Attached are the following : 1 ) Unemployment Denial of Payment Letters and the Final letters of approval.

2 ) Credit Report after the XXXX Late notice was XXXX increased back to XXXX in XX/XX/XXXX XXXX posted a 30 day late without any warning or accommodation. The only letter received from XXXX ( sent later in XXXX ) 3 ) XXXX XXXX and XXXX Statement in XXXX A {$40.00} partial payment was applied. 

I humbly ask for your assistance to have my Credit Report with the 1-Late Payment fairly removed. Having a Late Payment mark on my Credit Report will affect me for 7 years and it will affect my ability to find Senior Citizen housing or Rentals or even another job for the future as I am near retirement age.

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