Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My XXXX  Card account mainly serves as a vehicle for XXXX XXXX Purchases which ends in the number XXXX was compromised with XXXX XXXX XXXX card by XXXX with an unauthorized charge against my citi-card credit card on XX/XX/2021 by XXXX  XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XXXX XXXX WAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOW DISH OBTAINED MY XXXX XXXX XXXX XXXX XXXX CREDIT CARD. 

This compromised security breach of XXXX XXXX XXXX XXXX XXXX XXXX CARD had caused harm by suspending my purchases opportunity at XXXX XXXX AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY DISCOVERY CREDIT PROGRAM. MY XXXX  IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, DISCOVER IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE XXXX XXXX XXXX ANYWHERE VISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the XXXX representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit XXXX XXXX XXXX XXXX XXXX which arrived in the mail on XX/XX/2021. 

I had talked with the XXXX Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including Experian credit agency. The XXXX Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX XXXX says they are investigating many other complainants, some class action ( s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order XXXX to remove there false negative credit reports to all 3 credit bureaus due to XXXX Compromising my credit information and allowing XXXX XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE XXXX  POLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST XXXX-XXXX  CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE XXXX 'S RANGE. 

THANK YOU AND XXXX BLESS.

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