Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a XXXX XXXX Dispute on XX/XX/XXXX against creditor XXXX XXXX. The reason for the complaint was that my account was reported as 30 days past due via Experian for the month of XX/XX/XXXX, when the account was not 30 days past due. I set up a payment arrangement for the payment due on XX/XX/XXXX, to be processed on XX/XX/XXXX. The payment due on XX/XX/XXXX, was paid on XX/XX/XXXX. The payment due on XX/XX/XXXX, was paid on XX/XX/XXXX. I made an additional payment on XX/XX/XXXX for the payment due on XX/XX/XXXX with {$0.00} due or owing. All payments were made during this period were within 30 days and the account was not 30 days past due as all payments were made. 

An email response was received via the XXXX in response to this complaint on XX/XX/XXXX advising that the company ignored XXXX XXXX attempt to obtain clarification regarding the account. 

On XX/XX/XXXX, I received a notification via spam email of a service called Clarity Services for Experian, having provided a report regarding a recent loan application that was made. I had never heard of this service, so I logged in and found that this service was a secondary credit report identifying credit line accounts and additional personal information on behalf of Experian. XXXX XXXX was the first account that was reflected in the report, and I immediately noticed that the information reflected in this report was 100 % incorrect. 

ACCOUNT NUMBER Account number reported on the Clarity Services Report is XXXX Account number reported on XXXX XXXX Statement/Website is XXXX Account number reported on XXXX is XXXX. 

CREDIT LIMIT Credit Limit reported on the Clarity Services Report is {$0.00} Credit limit reported on XXXX XXXX Statement/Website is {$3500.00} STATUS Status reported on the Clarity Services Report is " Collections '' There are no reported collections on any official credit bureau agencies . 

FIRST PAYMENT DATE First payment date reported on the Clarity Services Report is XX/XX/XXXX. 
First payment date reported on XXXX XXXX Website is XX/XX/XXXX. 

FIRST ON-TIME PAYMENT DATE First on-time payment date reported on the Clarity Services Report is XX/XX/XXXX. 
First on-time payment date recorded/payment processed in XXXX XXXX  Website is XX/XX/XXXX. 

DAYS IN COLLECTION Account status on the Clarity Services Report is Collections of 682 days past due. 
Account status on XXXX XXXX Website is " Past Due ''. My draw capability was deactivated on XX/XX/XXXX, based on what they said was " payment history ''. I paid the account regularly and on-time within just the last few payments at that time, of which I never knew would cause the account to be stricken from further draw despite the fact that the account has a balance available for withdraw. 

In XXXX, I experienced emergency XXXX due to a developed XXXX XXXX XXXX XXXX  that required immediately XXXX within days of discovery. I communicated this and they identified that they did not care, and it did not matter the circumstances, they would not offer any payment accommodations of deferring a payment all together on the back end, so that multiple double payments would not be needed. During this time, I was also several days short on hours due to inclement weather conditions including active tornados where I live, where I was unable to go to work. The past due days were minimal and typically within one week, and I had no idea they were building up to deactivate the ability to draw on the account while collecting the payment, as they provided no indication they would deactivate the draw capability. I have made numerous calls pleading for assistance and they would never reinstate the account to allow me to draw, as obviously due to being out of work, my hours were short, which would have allowed me to be current on other payments to resume regular payments as normal if I would have access to the balance for draw. 

Concerning my XXXX circumstances, not offering any assistance is pretty disgusting. 
I last contacted them in advance to move the payment due from XX/XX/XXXX to XX/XX/XXXX and to double the payment for XX/XX/XXXX to XX/XX/XXXX. They did not apply the arrangement and kept asking me the same information over and over again. 

The reason why I believe the account was reported as 30 days past due, is because they scheduled the debit on XX/XX/XXXX, by forcing me to provide my credit card information via email. The representative processing the payment on that day, incorrectly ran my expiration date, and the payment automatically declined. I believe this is what generated a reporting to the credit report. 

I was emailed immediately, and I immediately called them and read the information ( same card ) over the phone and it was processed correctly. This account was not past due 30 days at either that payment or the end of the month, as of XX/XX/XXXX, the only payment past due was for XX/XX/XXXX. 

The account is not reported at 30 days as they don't report any account information until 45+ days, as they would always advise what date the account would be reported, which was greater than 30 days. Pending the results of this complaint, I will bring the account current as I am unaware what may happen. Per XXXX XXXX, the account is not scheduled to report/default until XX/XX/XXXX, although the last payment was XX/XX/XXXX, so any additional reporting before then, would be purely retaliation to this complaint.

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