Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since my complaint on XX/XX/XXXX below so many things have taken place. The things that changed are listed below : 1. XXXX XXXX   and XXXX XXXX continue deceptive marketing of XXXX XXXX  Credit card financing by saying that the financing be it 6 months, 12 months, 18 months or 24 months is NO INTEREST AND NO PAYMENT. I confirmed this as late as this month and when I probed the sales representative he told me that you are only required to pay a minimal amount. 2. The charge on the closed XXXX XXXX Card was actually for my Kitchen project but I was told that THE FINANCING WAS FOR 6 MONTHS NO INTEREST AND NO PAYMENT. 3. UNFORTUNATELY FOR ME, THIS PROJECT WAS COMPLETED IN XXXX   OF XXXX, AND THIS MONTH WAS THE TIME, MY ONLY SISTER AND FAMILY MEMBER LIVING WITH ME WAS DIAGNOSED WITH XXXX  XXXX XXXX XXXX. WITH THE DECEPTIVE INFORMATION PROVIDED BY XXXX XXXX, ( PROGRAMMING MYSELF TO PAY THE CHARGE OFF BY SIX MONTHS ), AND RUNNING AROUND TO SAVE MY SISTER 'S, XXXX XXXX  CONTINUED TO PILE DELINQUENT CHARGES ON THAT CARD. MY SISTER FINALLY LOST THE FIGHT FOR HER LIVE IN XX/XX/XXXX. 4. THE SAME THING THAT HAPPENED IN XXXX WITH MY XXXX XXXX XXXX XXXX  CARD ( DECEPTIVE 18 MONTHS NO INTEREST AND NO PAYMENT PROMOTIONAL FINANCING ) HAPPENED AGAIN IN XX/XX/XXXX AND XX/XX/XXXX WITH MY XXXX XXXX XXXX XXXX   AND XXXX XXXX XXXX XXXX  CREDIT CARDS. THE DIFFERENCE THIS TIME WAS  THAT I WAS NOT CAUGHT UP IN TRYING TO SAVE MY SISTER 'S LIVE AND SECONDLY I FILLED FOR A BUSINESS LINE OF CREDIT, WHICH BROUGHT OUGHT THE DELINQUENT REPORTINGS IN MY CREDIT REPPORT. I HAVE SINCE PAID OFF ALL THE BALANCE IN THE XXXX XXXX XXXX XXXX   CARD AND SET UP A RECURRING MONTHLY PAYMENTS TO THE XXXX XXXX XXXX XXXX CARD. 5. NON OF THESE DELINQUENT CHARGES WOULD HAVE NOT OCCURED IF XXXX XXXX XXXX XXXX SALES REPRESENTATIVE DID NOT USE DECEPTIVE MARKETING OF " NO INTEREST AND NO PAYMENT FINANCING '' TO LURE ME TO CHARGE THAT AMOUNT ON THE CARD. 6. I ALSO REALIZED THAT THOSE DELIQUENT REPORTING WERE IN MY ; XXXX, XXXX ANG EXPERIAN CREDIT REPORTS. I HEREBY SOUGHT YOUR ASSISTANCE THROUGH THE ABOVE CREDIT REPORTING AGENCIES TO PURGE ALL DELINQUENT REPORTING ON DATES LISTED IN MY XX/XX/XXXX COMPLAINT FROM MY CREDIT REPORT XXXX, XXXX  AND EXPERIAN ). I WILL ALSO URGE CFPB, TO CENSURE XXXX XXXX AND XXXX XXXX AGAINST FUTURE DECEPTIVE PROMOTIONAL FINANCINGComplaint Filled on XX/XX/XXXXis listed below : Good afternoon, My name is XXXX XXXX and I reside in XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Email address and telephone number are : XXXX and XXXX respectively. My complaints are with XXXX XXXX Credit Card ( Through XXXX XXXX ) and another XXXX XXXX  Credit Card ( Through XXXX XXXX ). XXXX XXXX Credit Card ( Through XX/XX/XXXX) AC # : XXXX ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  wrongly placed late payments on my credit reports. I was never away that such information was on my credit report because they were wrong. I happened to apply for line of credit and I was informed of the late payments that was reported in my credit report. They told me that I can obtain a free copy of my credit report. When I did, I discovered that the reporting was through XXXX XXXX who recently closed that account without notifying me. All the projects I had had with XXXX XXXX in the past was always 24 months, NO INTEREST and NO PAYMENTS and usually I set up a recurring payments from my bank to take care of all the payments before the 24 months due date. I contacted XXXX XXXX credit card who identified themselves as XXXX XXXX. I immediately informed them of the incorrect reporting by them on my credit report, they offered to send me copies of the invoices because prior to that those invoices were never sent to me. At the time of that request XXXX XXXX was operation two cards with XX/XX/XXXX XX/XX/XXXXunder my name but shortly after the call, they now refer to that account as closed but no reason was provided to me as to why it was closed and when that took place because as of XX/XX/XXXX, I made purchases at XX/XX/XXXXwith the card. When I finally got the invoices, I contacted XXXX XXXX to let them know that the information they have on my credit report was wrong and that they should remove those from my report but they said I should contact the credit bureau to have them remove that. I again contacted them today, after noticing the same pattern with a recent transaction with my XXXX XXXX, XXXX XXXX credit card. This time they told me the account is closed that they will not adjust their reporting. Please this looks like fraud by XXXX XXXX because the same thing is happening with my XXXX XXXX credit card managed by XXXX XXXX. On both occasions I was offered 24 months and 18 Months No Interest and No payments. On both occasions my invoices were never mailed and both occasions involved closing my old accounts without notification and sending me new credits cards. Below is what happened with my XXXX XXXX credit card. XXXX XXXX Credit Card ( Through XXXX XXXX ) Ac # : XXXX : In XXXX  of XXXX, I purchased a television from XXXX XXXX and I was told that I was getting 18 months No Interest and No Payment for the purchase. Shortly after that, I received a credit card from XXXX XXXX and since I had a credit card from XXXX XXXX like XXXX XXXX, I did not activate the card. Meanwhile in I set up a recurring payment to take care of the purchase cost before the 18 months. Suddenly, I started receiving voice mail to go online and review my XXXX XXXX  - XXXX XXXX credit card. That sounded strange because the message never mentioned payment due and as long as I know the purchase was No Interest and No payments and more over I have not received any invoice from XXXX XXXX or XXXX XXXX regarding my purchase. It wasn't until I realized what XXXX   XXXX  did to my credit report that I decided to contact them, To my surprise when I contacted them they said my account was overdue and was under collection. At this point I have sent {$200.00} to my XXXX XXXX account which I thought was still current. I told them that they do not know what they are talking about, first I reminded them that my purchase was 18 months No Interest and No Payment and the account can not be overdue. Secondly, I reminded them that I sent {$200.00} to them and another payment of {$200.00} was scheduled to be made by my bank of XX/XX/XXXX. They said they did not receive anything and was trying to get me to make a payment of {$100.00}. At that time I thought I was speaking with fraudsters so I hung up. I then went back to the new card XXXX XXXX sent me which was not activated and called the customer service number listed on that card. When the representative came I narrated everything that has taken place and she said that the purchase was set up for No Interest but monthly payments were required. Then I asked her why they have not sent me any invoice since that purchase, but she could not answer that question. When I enquired about the {$200.00} I sent, she said that they have not received anything from me. At that time I had the information where the {$200.00} was sent in front of me, and that was how I found out that the account like XXXX XXXX credit card was also closed and that the card that was sent to me was my new account. I asked her whether she has access to the old account and she put me on hold and when she came back she said that the {$200.00} was in that old account. It was then that I realized that XXXX XXXX had accessed two late payment of thirty something dollars the new account. The only thing they told me was that they are sorry that they will wave one of the late payments now and asked me to call them back in XXXX to wave the other one, the reason I was meant to wait to wave the late charge due to their error beats me. As we speak I have not received a single invoice on my XXXX XXXX XXXX XXXX XX/XX/XXXXcredit card. THIS CLEARLY LOOKS LIKE FRAUD BY XXXX XXXX.    1. They first offered No Interest and No Payment before purchase, then they turn around and start charging people late charges and putting ridiculous comments on peoples credit reports and if you are lucky you will detect it on time and sometimes pay additional money to clear your records. PLEASE I NEED YOUR HELP TO ADDRESS THESE FRAUDULENT ACTIVITIES. 

Attached is the letter I received from XXXX on XX/XX/XXXX. I contacted XXXX  on XX/XX/XXXX spoke with XXXX XXXX, on XX/XX/XXXX spoke with XXXX XXXX and XXXX XXXX but none of were able to answer conflicting information on their letter : 1. Why did XXXX XXXX give me a NO INTEREST, and NO PAYMENT promotion knowing that XXXX  offers only NO INTEREST? 

2. Why did XXXX XXXX continue to accept charge on my credit card in XX/XX/XXXX, when the account was allegedly closed by XXXX  in XX/XX/XXXX? 

3. When an account is allegedly closed for non payment as stated on the attached XX/XX/XXXX letter. All balance on the closed account will be immediately due : Why did the attached invoice from dated XX/XX/XXXX allegedly after the account was closed not reflect that the account is closed and ALL PAYMENTS ARE DUE IMMEDIATELY. 

4. Why did XXXX XX/XX/XXXX letter state that a closed account was brought current for XX/XX/XXXX billing cycle for an account that was closed. 

5. Why was the total amount of {$1800.00} ( {$1700.00} and {$100.00} ) that was paid on XX/XX/XXXX per XXXX letter which is different from {$230000.00} listed on the XX/XX/XXXX brought the account current and no other payments mentioned after that, meaning that that payment brought the account to zero balance? 

6. Why did XXXX  representative XXXX XXXX claim that I continued to make payment on the account but that was never mentioned in the letter? 

7. When I asked XXXX XXXX why XXXX did not notify me that the account is closed and continue to accept charges on the account, he said XXXX  that have to inform me of the closure of my account.

8. Why did XXXX  revise the interest charge on my XXXX XXXX credit card revised in XX/XX/XXXX? 

9. Why did XXXX  close my previous XXXX XXXX credit? Representative XXXX XXXX was not able to answer that? 

IF ACTUALLY ADDITIONAL PAYMENTS WERE MADE TO MY XXXX XXXX  ACCOUNT AFTER THE XX/XX/XXXX PAYMENT, THAT IS AN AMOUNT THAT SHOULD BE REFUNDED TO ME. GIVING THAT MY SISTER WAS SERIOUSLY ILL AND PASSED AWAY DURING THAT PERIOD, IT IS POSSIBLE THAT XXXX  FRAUDULENTLY COLLECTED MORE MONEY THAN I OWED THEM, JUST AS THEY WERE GOING TO COLLECT, THE {$200.00} DOLLARS I PAID TO MY XXXX XXXX ACCOUNT AND TURNED AROUND TRYING TO COLLECT {$100.00} FROM ME. THERE IS SERIOUS FRAUD GOING ON HERE AND XXXX  DOES NOT WANT TO ACCEPT WHAT THEY DID BECAUSE THAT WILL MEAN, REFUNDING EXCESS MONEY COLLECTED FROM. ME> XXXX REPRESENTATIVE OFFERED TO SEND A CAUTION TO XXXX XXXX AND XXXX XXXX WHERE I MADE PURCHASES BUT REFUSED TO REMOVE THE COMMENTS ON MY CREDIT REPORT AND LOOK INTO REFUNDING THE EXCESS MONEY I MIGHT HAVE PAID THEM.

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