Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX  see below emails My credit report is at a XXXX and went down 50 points as XXXX  is reporting me late on my XXXX  VISA. Ask XXXX why when I call and I have recorded calls- they will not accept my payment. By post or in XXXX XXXX- Cease and Desist was added by an XXXX named XXXX XXXX and read the letter he wrote me from the last complaint. Thirst people can not do this! I am going to now sue for all the horrible acts XXXX  is getting away with via CFPB!!! 
I HAVE Undeniable proof. Shame on you CFPB for allowing XXXX  violate over and over. The works is XXXX down and XXXX  during a Corona virus reports me late! XXXX  list on line they are willing to help during the Corona virus! What a bunch of liars. Negligence. XXXX  would not take my payment. Charging me late fees and interest and lied over and over. 
I will make sure every XXXX  employee and higher up is held accountable for there actions. 

Those XXXX employees were emailed many times a day not one response. No XXXX  visa statement which can only be mailed since its a closed account which again closed the account in 3 weeks. My loan account no access. Told to go in a branch by XXXX to show I am XXXX XXXX I have many recorded calls, emails and went in the Branch and this was in my prior complaint!!!! 

I want to make this clear since I have filed many complaints regarding the many bank violations XXXX  has done over and over. CFPB just forwards the complaint and does not read and allows XXXX XXXX  to get away with banking violations. I have sent an email to the director of the OCC. XXXX  bank black listed my emails, Will not allow me to make a payment over the phone, not in a branch or the drive thru. I am also told due to the inability to work together and read a transcript. I HAVE Recorded calls. I have not received my XXXX visa statement since XX/XX/XXXX. They put a cease and desist without my permission!!!! They will not take my loan payments since XX/XX/XXXXXXXX. I had to beg for two hours no access to my own loan account!!!! I have been going in circles with these XXXX. 



From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Fw : Acct XXXX Visa XXXX XXXX XXXX XXXX. Loan XXXX XXXX, the only creditor reporting me delinquent via XXXX  credit report stating I am delinquent as of XX/XX/XXXX. XXXX put a cease and desist order!!!!! And blacklisted my emails. Meaning they blocked my emails as that is the email message I receive back. XXXX  XXXX  will not take my payments by phone, in the bank , drive through or by mail. I am being told by XXXX   employees they read me a transcript on the phone due to our relationship XXXX  is unable to assist so on and so forth. This abuse needs to stop. I have not received a XXXX  visa  statement since my XX/XX/XXXX payment was due XX/XX/XXXX to XX/XX/XXXX statement. My loan which I paid {$6000.00} and not behind charging me late fees and interest. Charging me interest on my Visa  of {$71.00} with late fees. I am not late with one other creditor nor have any issues with any of my creditors. This is horrible that XXXX  is abusive and unprofessional. I was in a hardship program with my XXXX visa. I tried to renew it and once again the games and hours on the phone. Keep in mind I have ample proof XXXX  violated every banking violation you can think of. I am done dealing with being abused. Creditors are assisting people with no issues. This bank is not only trying to sabotage my credit but will do everything in there power in any way possible to harm me mentally. Possibly harming me in some way. 

If XXXX  will not speak to me, or assist me in the Branch, and I mailed out my payment to a PO Box from the XXXX chairmans office and still will not take my payments! Someone needs to step in as I will not be mentally abused or physically harm me and have my credit ruined for the egregious acts XXXX  persons have done to me. I have substantial proof. 

XXXX XXXX I have emailed over and over. XXXX  black listed my email. So I have filed a complaint with OCC with XXXX. My credit score has gone down XXXX points. I have telephone recordings! Proof I was at a branch. Are you people out of your mind!!! 
Where is my XXXX  statement! This XXXX from the chairmans office sends a letter which is a bunch of lies which I sent in my prior complaint. 
signed by a low end advocate XXXX XXXX who is a complete XXXX and is a liar. I ha e phone records I called XXXX in XXXX, XXXX and XXXX. I have phone recordings along with my phone Records!!!! CFPB complaint XXXX. The whole world is shut down and they are reporting me late!!!! I have stellar credit. These people are the worst low end people. 

1. They black listed my emails. I am not allow in a branch. Not because I am a threat if I was than they should take me to Court! Changed my password to my loan account which I have no access too and paid {$6000.00} a head of time. They charged me a late fees on that account and I was not late. I HAVE PROOF!!! 

These people are not going to get away with this!!! I have also contacted a Lawyer in the FCC. 

From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX Subject : Acct XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX : Another incompetent XXXX   employee. Customer Advocate. How disgraceful! 

Mr. XXXX, I called your office and due to this outbreak as you well know I spoke to an official at the OCC  and told due to my story I was advised to add you to this email. I have all proof to back up every single claim against XXXX XXXX  and its employees who continue to violate banking laws. The list is endless. 


1. I am so tired of filing complaints with CFBP and OCC and State Attorney General Office who gave me XXXX XXXX phone number and email address. He did not have the decency to respond to one of my emails!!!!! I have recorded calls, Phone statements, ID numbers of XXXX  employees I spoke too!!!!! 

I was in a hardship program for my Visa. I had a direct contact with Director- XXXX XXXX XXXX who no longer works there!!!! I called many times XXXX, XXXX, XXXX to inquire to renew. I was provided XXXX phone number by one of your XXXX employees along with many others that would not provide phone numbers or transfer or assist to this so called new department!!!!! I spent hours on the phone! 

I have substantial proof!!!! Your hardship department has changed as of XX/XX/XXXX with no letter, and calling over and over with not one person to renew this. This XXXX XXXX XXXX adds a cease and desist!!! XXXX XXXX  can not even send out a correct dated letter or even debit my XXXX XXXX  account for my loan payments when I had my bank acct. I have never had one issue with any other creditor accept this XXXX  XXXX bank!!!! I want this situation over. I will not be abused anymore. 

1. I want the interest removed from my XXXX  visa  and late fees!!!! No one would take my payment. I was on the phone for two hours. Not one person would take my measly {$42.00} payment. I went in the bank and have no access to my loan. My password was changed and not by me and no one else accept XXXX  XXXX  I was locked out of my own acct. I had to beg someone to take my payment over the phone. 
I paid you XXXX  {$6000.00} and did not even allocate the money properly. I have late charges. My interest is through the roof!!!! No statements that I asked for! I can not even log in my own account!!!!! I am not behind in my payments!!!!! 

I want my loan payments deferred and interest stopped. The same for the closed Visa   acct! It was closed after three weeks. There is endless story after story. 

I went in XXXX XXXX  Branch with my passport, DL, and proof of my residence. XXXX at XXXX XXXX would not assist me and told me my get out as he has the authority through XXXX XXXX that he does not have to assist me. 
For the record XXXX XXXX Ive emailed you prior and you did not respond. Many times!!!! 
FYI I assure you its the law to assist. I will never go away until your egregious mistakes are rectified. 

I want my statements to my loan. 
Who is going to assist with hardship for my credit card. Who is going to assist with my loan. 

As for XXXX XXXX XXXX on you. By the way I mailed my payment and the check was not cashed!!!!! 
You have the nerve to treat me like a peasant and tell me to mail my payment!!!! Ask XXXX why he did not take my payment!!!!! You XXXX!!! 

Note : This is the only creditor I am having a three year battle. This has been going on since XX/XX/XXXX! 
I am so tired of spending hours to make a payment, to beg people to take a payment and not even late with my payments. I am locked out of my loan account! No statements, late fees, I am not even late. Interest not correct! I go into a XXXX Branch.  My check is not accepted!!!!! What is going on here!!!!!!! 
I have proof of every statement I make and witnesses and High Ranking employee In the consumer affairs office that tried to assist me and spoke to XXXX XXXX  and its employees. He said- I have been here over 15 years and never seen a case like this along with the XXXX  people at XXXX  XXXX. This needs to stop once and for all. NOW. 

XXXX XXXX

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