Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of late payment for my XXXX XXXX XXXX, I received a call around XX/XX/XXXX, from a a representative from XXXXXXXX XXXX XXXX XXXX that stated, if I made a money order payable to the directed address that the the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on their credit card so I assumed if I paid the credit card payment for the month of XXXX of XXXX  dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person to who I spoke to was not a representative of XXXX XXXX XXXX XXXX and the money order I wrote was directed to an unauthorized place I would like to make a police report in regards to the fraud call made on behalf of XXXX XXXX XXXX XXXX which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it won't happen again XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX RE : LATE PAYMENT REMOVAL FROM RECORD XXXX  XXXX XXXX  XXXX Dear Experian I received a call around XX/XX/XXXX, from a representative from XXXX XXXX XXXX XXXX that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on their credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX XXXX and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person to who I spoke too was not a representative of XXXXXXXX XXXX XXXX  XXXX and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. 
It would help me immensely if you take the late payment off my XXXX XXXX XXXX history and make an adjustment to remove the late payment for the month of XXXX and XXXX due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have financially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. 
Thank you for your consideration, and I hope you'll approve my request

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