Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Complainant : XXXX XXXX XXXX XXXX : XXXX XXXX  Date : XXXX Subject : Disputed Credit Card Account Closure and Inaccurate Credit Reporting by XXXX XXXX  Dear Sir/Madam , I am writing to lodge a formal complaint against XXXX XXXX regarding a disputed credit card account and subsequent inaccurate reporting to credit bureaus. 

Account Details : Originally, I held a secured credit card account with XXXX XXXX, with a credit limit of {$5000.00}. 
Subsequently, I transitioned to using a debit card provided by XXXX XXXX. 
XXXX XXXX  claims that I was moved from a secured to an unsecured credit card, which I contest. I have been using only a debit card. 
Issues and Concerns : Lack of Information and Access : After XXXXXXXX XXXX XXXX  alleged transition of my account from secured to unsecured, I was not provided with any documentation or access to account information. This lack of communication and transparency is unacceptable. 

False Allegations and Closure of Account : XXXX XXXX  has inaccurately stated that I closed the credit account, which is untrue. The account was closed by the bank itself following regulatory actions by the U.S. Federal Government. Despite this, XXXX XXXX  has falsely reported to credit bureaus that I defaulted on the account. 

Inaccurate Credit Reporting : XXXX XXXX  has reported a default on this disputed account to credit bureaus XXXX months after they were shut down by the U.S. Federal Government. This erroneous reporting is damaging my credit score unjustly. 

Inadequate Customer Service : Efforts to contact XXXX XXXX  for clarification and resolution have been futile. The contact number provided connects to an individual with limited XXXX proficiency, offering no assistance or access to relevant information. 

Questionable Business Practices : XXXX XXXX  operated as an app-based banking service, akin to XXXX and XXXX XXXX, primarily used for social media transactions. The nature of their business and the subsequent federal closure raise serious concerns about their operational integrity. 

Request for Resolution : I seek immediate correction of the false credit reporting by XXXX XXXX. 
I demand a formal acknowledgment and evidence regarding the alleged transition from a secured to an unsecured credit card, which I dispute. 
I request a thorough investigation into the practices and customer communication protocols of XXXX XXXX. 
The impact of XXXX XXXX XXXX actions on my financial standing is significant and distressing. I am seeking the CFPB 's intervention to rectify these inaccuracies and hold XXXX XXXX  accountable for their misleading and damaging conduct. 

Thank you for your attention to this matter. I am willing to provide any further information or documentation as required. 

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