Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
RE : XXXX Bank - XXXX XXXX XXXX XXXX, WA XXXX My XXXX Bank credit card ending in XXXX was closed on XX/XX/XXXX due to inactivity and my credit score as reported by Experian. The XXXX Bank letter was dated 9 days after I opened my first complaint about the XXXX XXXX Credit Card company fraud with the CFPB. 

On XX/XX/XXXX, I called XXXX and explained to XXXX, at first, and later XXXX, that I would be forced to sue if they could not at minimum, reactivate the card. The telephone operators sent me into the bank branch for a final attempt to reactivate the account. 

On XX/XX/XXXX I walked into the XXXX Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and spoke to an agent named XXXX, and a manager named XXXX who both tried to reactivate the account for me and were not successful. I explained all that had transpired with the complaints, the fraud and the credit reporting agencies and that I was prepared to sue XXXX Bank for the credit limit decrease, and the irreparable harm to my credit score, and they both agreed that XXXX bank was liable for actions that they could not undo. 

XXXX Bank has tried as best they can to undo the reckless harm done but were ultimately unable to do anything but leave my credit limit, and score destroyed further when no harm was done directly to them. I had a XXXX balance on the XXXX Credit card # XXXX since XXXX. XXXX Bank claimed this retaliation was due to my inactivity but mainly was the credit reporting information provided by Experian. 

The main reason for the inactivity on the XXXX Bank XXXX was that I had misplaced the card and XXXX Bank had a habit of sending ads separately in the same brand and style envelopes as the statements and after awhile I forgot I was their customer. Since my card had a XXXX balance and it was mostly ads they were sending me month after month, I got in the habit of not opening the envelopes after a while. 

I only discovered the XXXX Bank card # XXXX had been closed when I opened the letter this week, almost XXXX months after it had been sent. I did not receive any letters with a prior warning about inactivity, lots of ads though. The letter was sent out by XXXX Bank dated XX/XX/XXXX and had noted at the bottom that the information used to determine this action was collected and provided to them by Experian. And if I should want to dispute the information Experian provided I would have to contact Experian. 

My first complaint to the CFPB was dated XX/XX/XXXX - 9 days prior to the XXXX Bank XXXX # XXXX closure. Experian had removed the XXXX XXXX dispute by or before XX/XX/XXXX but as they had failed to restore the credit score as well, Experians misreporting was the direct cause of the XXXX Credit card # XXXX deactivation, decrease in credit limit, further decrease in credit score, and credit worthiness. 

Union banks eliminating {$12000.00} unduly deprived me of my rightful property without due process and further diminished my credit score for not using their card in an act of retaliation, and a violation of my constitutional rights.

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