Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dispute With XXXX XXXX XXXX  Regarding Account of XXXX XXXX - Account Ending in XXXX I am writing to bring forth a matter of utmost concern with regard to the credit reporting practices enacted by XXXX XXXX XXXX. It has come to my attention that XXXX XXXX XXXX  has engaged in the dissemination of inaccurate information on my credit profile. Specifically, I have been subjected to unwarranted fees associated with an account that had, in fact, been rectified to possess a XXXX balance. 

Subsequent to extensive discussions held with various representatives of XXXX XXXX XXXX, a definitive chronology of events surrounding the adjustment of the aforementioned account has been established. On XX/XX/XXXX, an imposition of a late fee in the sum of {$28.00}, coupled with an annual fee amounting to {$39.00}, was duly recorded. It is worth noting that the erroneously applied late fee was expunged on XX/XX/XXXX. Further, on XX/XX/XXXX, the annual fee of {$39.00} was duly rescinded, resulting in the restoration of a balanced state amounting to XXXX. 

However, I have ascertained that XXXX XXXX XXXXXXXX XXXX automated system, in an unwitting capacity, erroneously generated late charges on both XX/XX/XXXX and XX/XX/XXXX, concurrently with the imposition of ancillary fees that were neither warranted nor intended. This unsettling development prompted me to directly engage with the company. I am pleased to acknowledge the company 's acknowledgment of the error and subsequent issuance of credits on XX/XX/XXXX ( {$39.00} ), XX/XX/XXXX ( {$39.00} ), and XX/XX/XXXX ( {$30.00} ), thereby reinstating the balance to a total of XXXX. It is imperative to underscore that as of XX/XX/XXXX, the account remains devoid of any lingering obligations. 

My discourse with representatives of XXXX XXXX XXXX  has yielded verbal acknowledgment of an inherent flaw within their system. However, in recognition of the potential for misrepresentation within credit reporting, coupled with the associated legal ramifications, the bank finds itself constrained from overtly articulating this acknowledgment within written correspondence. As a result, the bank intends to issue two ostensibly ambiguous letters. The initial communication will merely indicate the present equilibrium of the account, while deliberately abstaining from delving into specifics surrounding the credit adjustments. The subsequent communication will serve to inform me, as a matter of courteous communication, of the bank 's proactive endeavors to rectify the situation through correspondence with credit reporting agencies. Importantly, these communications shall meticulously refrain from making any allusion to the erroneous attribution of belated payments within my credit record, or any indications of the bank 's culpability in the matter.

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