Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: CA
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:
IT IS VERY HARD XXXX XXXXXXXX TO KEEP MY PERSONAL FROM MY BUSINESS SEPARATE BECAUSE WHEN YOU HAVE WRITTEN TO ME ALTHOUGH WITH VERY WRONG INFO IT IS YOU WHO CLUMP PERSONAL AND BUSINESS TOGETHER SO PLEASE DONT CANCEL THIS SAYING ITS A DUPLICATE IT IS NOT ( see attached and you will see how its clumped under one wrong letter ) This is not a duplicate complaint this in on my two XXXX XXXXXXXX personal cards ending in # XXXX and # XXXX. These two cards were cancelled at the same time as my XXXX XXXX card XX/XX/XXXX. For reasons you still cant answer and why? Because you made an in-house mistake and claimed you were going to reopen my accounts in XXXX. Well XXXX came and went and no cards no new accounts were opened. In fact on all three CRAs the accounts remain as they have since XX/XX/XXXX as closed. ( see my paid as agreed ) This has had a profound effect on my FICO score dropping it down to XXXX overnight with all three cards cancelled. You have claimed that I opened disputes on all three cards and you couldnt be more wrong!! Why else would you say you were opening the accounts if this was truly correct! What transpired was someone at XXXX XXXXXXXX opening numerous disputes after a call I placed from the XXXX XXXX XXXX  desk on XX/XX/XXXX on or around XXXX your letter states that a call came from me on the XXXX of XXXX? That is not correct. And I should have been notified considering the call I placed to you on the XXXX was a courtesy call sharing that my computer had been hacked the hackers entered into my bank account and turned money into crypto. The call was sharing this info with you as the XXXX XXXX suggested I do and in case anything strange began to happen with my XXXX XXXX cards. Up to that phone call everything was fine with all three credit cards. That call opened this mess and it began a series of disputes. I found out because the people places and things were reaching out to me telling me they were not going to be paid! XXXX reached out to me sharing that my financial institution had opened a large amount of disputes. So as quickly as you were opening them I was trying to close them XXXX thank goodness had been marked to do nothing on this and XXXX XXXX you didnt quite understand what was going on except to tell me that the disputes were mine. Wrong I had only filed XXXX dispute on my business card. It is concerning to me to see the statements I have been able to obtain with such incorrect information. I have requested that my personal credit card statements be mailed to me but that has yet to be done. And being on restricted view doesnt allow for me to see what you are doing on any of my accounts. I have limited statements o work with here and nobody there will tell me where my personal accounts have gone? I have phoned now XXXX times My last letter was certified XX/XX/XXXX without a reply from anyone. Now I know that those in charge are receiving my letters because I send to XXXX XXXX everything I have sent to the office certified mail. XXXX XXXX opens my emails no matter when they are sent He opens many of them XXXX to XXXX times! So I know my info is getting to the right place. I am looking at a statement from XXXX XXXX XXXX now this was right before you closed my account. Why is there a # XXXX number on this account? Who activated this card and who used it this is not my credit card and I can tell you the charges on this card only XXXX of the charges I know because while you disputed the charge I paid my vendor XXXX XXXX. Personal card # XXXX my last statement shows I owe you XXXX so again how were charges made on this card after you closed it on XX/XX/XXXX? You actually had me on restricted use from mid XXXX you said I had bounced to many checks until you looked that up and realized a mistake was made by you. The next person said I opened too many disputes but that too is impossible considering you claim that I was closed XX/XX/XXXX reopened in XXXX when you realized a mistake was made with all of my cards. And the mistake once again was in-house. Except you didnt do what you said and that was to clean up with the CRAs my closures that effect me for 10 years. You didnt take care of sending me new credit cards. You didnt credit my account for payments I made during your disputes. You failed to issue store credit when I made returns to places like XXXX where the original source of payment was also where the credit was sent. You often times would have it down as a new charge. You would take items off and put them back on a later statement that it became generic adjusted purchases means nothing to me and these are the things I want to know. What is an adjusted purchase? And how did my credit card ending in - # XXXX end up with a balance when it was XXXX at the start of this.Here is what I think the charges are on XXXX they are you interest fees your late fees each and every month XXXX you cancelled all three of my credit cards you did so while they were being paid as agreed many times paid ahead of or paid in full. Its very hard for me to guess why youve done what you have! But its time to correct it. They need to remove the XXXX number off my CRAs saying if you want to know why we cancelled XXXX give us a call!! I know this because I called the number XXXX XXXX left for creditors to call. 

Your letter says you closed my accounts XX/XX/XXXX but thats not what your app says XX/XX/XXXX the date I said they were closed see attached A corporate letter arrives saying I was told why I was closed see attached All of my XXXX cards were paid in full XXXX balance as of XXXX XXXX any charges after that I need to know what they are and which card they were made on you see I sent you proof I do not owe and youve sent me nothing saying what I owe for!!! 

Are you allowed to charge interest while a card is in dispute? Ive been in dispute with you not my vendors not the people places or things on the card you and youve continued to charge me! Arent you also supposed to have fixed this in two billing cycles if you cant show what I owe them you are to write it off All three of my credit cards have a XXXX balance they have been paid in full

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