Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pls see Attached Docs : STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$170.00} Payment Due Date : XX/XX/XXXX STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$180.00} Payment Due Date : XX/XX/XXXX STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$360.00} Payment Due Date : XX/XX/XXXX As you can see in XX/XX/XXXX my monthly payment was only {$360.00}, then on XX/XX/XXXX its magically " Overdue '' by 105 days?! Interest charging me on top of it all. 

Attached Doc : STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$850.00} Payment Due Date : XX/XX/XXXX On XX/XX/XXXX. I receive an email stating my account is " Overdue '' You are now 105 days past due in the amount of {$670.00}. 
Not only did my credit report take my score XXXX, but XXXX wouldn't admit that they were the ones who mess up. They ruined my credit score by stating I was over 120 days past due. When clearly the statements given to me each month never stated or showed any of this. When I called I provided XXXX with all of my bank statements. They said that I didn't miss a payment, I just didn't pay them enough money back in XXXX of XXXX? Almost a year it took for them to even tell me there was something I missed, then when they did advise me, they did it by marking up my credit report with false information, because if I knew I owed or missed anything I would have paid it, but they didn't tell me and then maxed out the " past due '' days. They then charged me interest and I paid over {$900.00} to correct their mistake, and although they stated they would fix this mistake, my credit score still has not seen that, therefore damaging my changes to purchase a home. 

This is now affecting my day to day life and I will bring in legal council if this is not corrected on my credit report. 

Subject : Dispute and Correction of Credit Report Information Dear Sir/Madam , I am writing to inform you about a serious error in my credit report, specifically regarding my account with Upgrade. As a consumer, I believe my rights under the Fair Credit Reporting Act have been violated, as outlined in 15 USC 1681 section 6 subsections 2 and 4 ( a ) ( 2 ). I request an immediate correction of this issue to prevent further damage to my creditworthiness. 

In recent communications with XXXX, they have acknowledged that they were at fault for the negative impact on my credit. They admitted that I was up-to-date on all my payments, with no late remarks or outstanding balance. I have attached the relevant statements as evidence to support my claim. However, despite their admission, my credit report still reflects a significant negative impact, resulting in a decrease of my credit score by XXXX points. This inaccurate reporting has severely affected my ability to secure financing, specifically for purchasing a home. 

The discrepancy in XXXX 's reporting began on XX/XX/XXXX, when I received an email notification stating that my account was overdue by 105 days, with an alleged amount of {$670.00} owed. This sudden change in status is perplexing, as none of the monthly statements provided by XXXX prior to that date indicated any pending dues or late payments. I promptly contacted XXXX and presented them with my bank statements, which clearly showed that I had not missed any payments. Their response was that I had not paid them enough money back in XX/XX/XXXX, which they neglected to inform me about until almost a year later. Furthermore, instead of rectifying the situation in a transparent manner, XXXX marked up my credit report with false information, erroneously stating that I was over 120 days past due. As a result, I was charged interest and forced to pay over {$900.00} to correct their mistake. Despite their assurance that they would rectify the error, my credit score has yet to reflect the necessary corrections, severely hampering my chances of obtaining a mortgage. 

I emphasize that this misinformation has had a significant impact on my daily life and financial well-being. While XXXX stated they would remove those " Past Due '' remarks, they have yet to do so. The only resolution I received from the company from a credited amount of {$300.00}. Which in no way fixes the amount of time I took to write all of these complaints to get this corrected. Or the stress of life under a ( negative XXXX point drop in my credit ) XXXX alone took me from the 700 range to the 500 range. And I didn't even make the mistake, XXXX did. I am trying to purchase a home and have been for years, there 100+ days past due is not accurate and is ruining my future. This needs a resolution. 

If the necessary corrections are not made to my credit report promptly, I will be left with no choice but to seek legal representation to protect my rights. 

I kindly request that you take immediate action to investigate this matter thoroughly and correct the inaccuracies on my credit report. I believe it is in the best interest of both parties involved to resolve this issue amicably and avoid any potential legal proceedings. 

Thank you. I look forward to a swift resolution. 

Sincerely, 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