Consumer complaint received 2018-08-04
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:
EXPERIAN AND OTHER CREDIT BUREAUS HAVE CONTINUED TO RECEIVE AND COMMUNICATE INACCURATE ACCOUNT INFORMATION ABOUT ME FOR MONTHS AND I HAVE TRIED TO GET THEM TO RESOLVE THIS MATTER BUT THEY CONTINUE TO RESPOND THAT THEY HAVE TAKEN ACTIONS AND THE RESPECTIVE CREDIT CARD COMPANIES HAVE CONTINUED TO REPORT THE INCORRECT INFORMATION. 
THE ADVERSE EFFECT OF THIS IS THAT MY CREDIT WORTHINESS IS FURTHER IMPACTED MAKING MY RE-PAYMENT ACTIONS INEFFECTIVE OR USELESS. 

XXXX XXXX XXXX  ACCOUNT FOR EXAMPLE, IN THE FIRST WEEK OF XX/XX/XXXX, I MADE PAYMENT OF {$500.00} INTO MY XXXX XXXX ACCOUNT TO PAY OFF THE BALANCE, EVEN IN EXCESS OF WHAT I OWED, BUT THIS CREDIT CARD COMPANY CONTINUES TO REPORT WRONG INFORMATION ABOUT ME. 
I DO NOT OWE XXXX XXXX ANY {$490.00} AND THEY SHOULD STOP REPORTING THAT I DO! 
IN FACT, EARLIER THIS YEAR, THEY CLOSED MY ACCOUNT BECAUSE I HAD QUERIED AN ACTION OF THEIRS AND IT TOOK ME MONTHS TO GET MY ACCOUNT RE-OPENED. SINCE THEN, THEY HAVE BEEN WORKING WITH EXPERIAN TO IMPACT MY CREDIT NEGATIVELY. 
I HAVE JUST REPORTED EXPERIAN ABOUT A MONTH AGO FOR THESE ACTIONS AGAINST ME, BUT THE COMPANIES INVOLVED CONTINUES TO REPORT THESE INACCURATE INFORMATION UNDETERRED. 
XXXX XXXX XXXX  AS ATTACHED DOCUMENTS SHOWS, HAVE REFUSED TO RESPOND TO ME WHEN I DIRECTLY CONTACTED THEM, TELLING ME IN MAILS SENT TO ME THAT THERE IS NOTHING TO CORRECT AND NOTHING TO REPORT. SO, CAN THE CFPB ASK THEM TO PRODUCE THE BANK STATEMENT SHOWING THE DATE THAT I MADE THAT PAYMENT TO THEM AND WHY THEY HAVE CONTINUED TO REPORT MISLEADING INFORMATION TO CREDIT BUREAUS? 
IN ADDITION, CAN XXXX XXXX XXXX  RESPOND AS TO WHY THEIR CUSTOMER SERVICE AGENT CLOSED MY ACCOUNT AGAIN TWO WEEKS AGO WHEN I WAS TRYING TO RESOLVE THIS DISPUTE. I HAD TO CALL A MANAGER WHO AT FIRST DID NOT KNOW WHAT TO DO TO REOPEN MY ACCOUNT? 
CAN SOMEONE EXPLAIN WHY THIS IS HAPPENING? 
- A CUSTOMER CALLS TO FIND REASON FOR THE INACCURATE INFORMATION, THEN THEIR ACCOUNT IS CLOSED SO THAT THEY CAN BE SHUT DOWN? 
- SECONDLY WHY IS IT THAT XXXX XXXX XXXX  HAS REFUSED TO REPLACE ALL FUNDS PAID OUT TO FRAUDULENT COMPANIES THAT I HAVE TOLD THEM I HAVE NO PAYMENT AGREEMENTS WITH? 
- XXXX IN XX/XX/XXXX TOOK {$56.00} FROM MY ACCOUNT. I DIDNT AUTHORIZE THIS, SO WHY HAS MY CREDIT CARD COMPANY DONE NOTHING SINCE I REPORTED THIS ISSUES BACK IN XX/XX/XXXX? ( WELL MY ACCOUNT WAS CLOSED SHORTLY AFTER THAT SO HOW COULD I GET ANYTHING DONE? ) - IN ADDITION, I HAVE DISPUTED SEVERAL TIMES THE RECURRENT PAYMENT TO XXXX XXXX THAT KEPT COMING DUE TO APPLES VIOLATION OF MY APPLE PAY ACCOUNT, WITHOUT MY PERMISSION, AND ALSO OF A FEW OTHER COMPANIES THAT I HAVE MENTIONED AND FILED A DISPUTE OF BY MAIL AND ON THE PHONE BUT TO NO AVAIL. 

XXXX XXXX DOES NOT WANT TO GET BACK THE MONEY DESPITE BEING IN MY TERMS AND CONDITIONS AS A CUSTOMER FOR THEM TO COLLECT BACK FUNDS THAT WERE FRAUDULENTLY REMOVED FROM MY ACCOUNT! 

THEY SIMPLY DO NOT CARE ABOUT HOW THIS AFFECTS ME FINANCIALLY AND CREDIT WISE. THAT IS BAD BUSINESS CONDUCT. 
THIS CREDIT CARD COMPANY HAS A LOT OF ISSUES AND THEY ARE TERRIBLE TO ME AND TO COUNTLESS CUSTOMERS IN MY SITUATION. THEIR ACTIONS HAVE SEVERELY DAMAGED MY CREDIT AND SHOULD BE INVESTIGATED. 


THEY NEED TO STOP THIS! THEY NEED TO REPORT MY ACCOUNT ACCURATELY AS I PAY 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