Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: TX
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:
Dear CEO, CFPB, XXXXXXXX XXXX  approved my application for a credit card limit of {$6400.00} with Retailer XXXX XXXX XXXX that is associated with the credit card, with a Purchase APR : of 29.99 % on account ending in # XXXX, but have only been reporting to the Credit Bureau a different credit limit of {$5000.00} with the same finance charges. 

After reviewing my account online through their online website and reaching out to the online customer service assistance in regards to the XXXX changes that were made without my knowledge and changed in regards to acknowledging my reasonable accommodations and not reporting accurate billing information and if they could explain and send me disclosures of their policy & procedures because of my XXXX XXXX XXXXXXXX that I needed to speak with someone who could help me understand why this happened, they told me that they had the right to lower my credit limit without consulting with me and sending me a disclosure of any new terms, future terms and conditions and/or agreements contract regarding my credit card and the finance charges and APR percentage of 29.99 %. I am being charged late fees of {$41.00} dollars, with a monthly bill of {$260.00} the day of my due dates and not being allowed to use my reasonable accommodations while still being charged late fees for my up coming bill before it is even due. I have made all my payments on time for 9 months and my merchandise was purchased at 0 % for 36 months before incurred interest. 

Resolution : Therefore, I am requesting the issue to be reviewed and resolved to be able to work with and speak to a customer service representative for Special Private Clients like myself with XXXX XXXX XXXX XXXXXXXX regarding my XXXX rights under the XXXX XXXX XXXX XXXX XXXX ) to accept reasonable accommodations needing to be used in-order to successfully be equally serviced as a merchant, retailer, and consumer. 

I also request to have restored the credit limit applied for of the {$6400.00} dollars and to be reported positively to the Credit Bureau and any negative late fees removed posted on XX/XX/2022 of {$41.00} ; XX/XX/2022 of {$41.00} dollars ; and XX/XX/2022 a payment of {$260.00} when my payment should be {$220.00} on the XXXX of each month with the exception using of my reasonable accommodations and clearing my debt on my account ending in # XXXX the remaining balance of {$1800.00} letting me out of the legal binding contract with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX charge me for deletion of purchase but still the furniture was still delivered and I have been force to pay for it, they told me that there was no cancellations or refunds. <see attachments> I declare in pursuit of making anymore payments until this issue is resolved without incurring any late fees and negative credit reporting, and for my account to be held during this investigation as well as sent to Headquarters & the Communications Department for further review and the state of Texas Licensing & Regulations department regarding Credit Cards and interest fees and XXXX requirements under the ( XXXX ). 

It is in the best interest for CFPB to protect the rights of I XXXX XXXX and be treated fairly against banks, lenders, as well as financial institutions. 
Please review on my behalf. 

Respectfully submitted, XXXX 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