Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Complaint is against XXXXXXXX XXXX XXXXXXXX XXXX store Credit Card XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number XXXX website : XXXX Accepted settlement XXXX weeks ago for XXXX payments over XXXX  months. Paid first XXXX on time as they were set up as I thought the third was. I get a notification via text on XX/XX/XXXX XXXXXXXX XXXX XXXX ( why wasnt I texted when it was actually due? ) saying my payment is due XX/XX/XXXX. I called same day and asked how much I owe. Gentleman said the payment was late? I told him my account was on autopay so how was it late? He said it doesnt show that here. I then tell him id like to settle the rest that is owed ( XXXX ). I paid over the phone. He told me that they will make a decision if they will settle the account or not within 30 days and contact me. I said okay. 

I filed a complaint against them on XXXX  same day with no response as it was sketchy. ( XX/XX/XXXX ) Checked my bank few days later ( included picture ) and was charged the XXXX. 



On XX/XX/XXXX XXXX  days later I get a letter that from a sketchy email thats 'from XXXX  ' so I check it. I included that in the pictures as well but will type it out. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account number ending in : XXXX Dear XXXX XXXX, We are contacting you regarding the XXXX Store Card account referenced above. 

Due to us not receiving the settlement payment as agreed, we are now reporting this account as a bad debt to the credit reporting agencies. 

Please note any future dated payments you may have set up with us have been cancelled and will not be processed. 

If you have any questions, or want to discuss payment options for this account, please call the phone number listed below. 

Sincerely, XXXX XXXX  XXXX this is an attempt to collect a debt any information obtained will be used for that purpose. 
Account is owned by XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX this around XXXX at night on XX/XX/XXXX. I tried logging into my XXXX  account and they cancelled my login. I tried to pay what I owed via guest pay and it wouldn't let me. I included images as proof attached. 

so had to wait till the morning to call. 

I called around XXXX XXXX XXXXXX/XX/XXXX the phone number provided on the sketchy looking letter and the guy asked me for my account number or FULL SOCIAL SECURITY NUMBER. I told him no way i fill comfortable giving someone my full social over the phone. I hang up and call the number on the back of the card. 

Lady confirms the letter is true. My accounts were closed and 'charged ' as a bad debt. I tell her I just made a payment a week ago and there is no reason for them to charge as a bad debt without notifying me first so I had a chance to pay the rest as I let the gentleman know on the phone XXXX days ago. She kept saying sorry do you want to pay it and I kept saying I have to contact CFPB to report now and get my credit repaired after as this is now on my credit even though I let them know XXXX  days ago I was fully willing to pay. 



-Did n't even give me XXXX hour after notice to pay the account in full before reporting bad debt. 
- Didn't let me know of the decision to not honor the settlement because It was 'late ' even though I am enrolled in automatic payments. 
- Their website doesn't show what day the settlement payments are due nor does it give you the contract signed so you can check. Website doesn't give how much you owe or show any paid off balance after first few payments. 
- said they would reach out and let me know- I was still continually paying so no reason to report to debt collector agency ( which looks like their own bank? ) -Was n't able to pay this bad debt before being let know I had a bad debt even with your 'pay as guest feature '. 
-Cant even login to my account to 'pay off the bad debt ' thanks for giving me the chance to screenshot this. 
- Seems like retaliation after I filed complaint against them to XXXX  - letter seems to be from their debtor agency and doesn't give me amount or ample time to pay debt. Just says they will be reporting to credit agencies. Seems like they are spiting me. 
- I paid when I got the text that the payment was due. Image attached. 
- I also attached images showing their website not showing what is owed in the settle when or what time. It also shows im enrolled in autopay and says my payment is due in XXXX  days. Scheduled payment of XXXX is scheduled as well. 
- already charged me ( paid in full ) so the payment wasn't canceled yet reported to credit agencies

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