Consumer complaint received 2018-06-26
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: Was not notified of investigation status or results

Complaint:
I am re-submitting a complaint to XXXX  and Experian regarding a 30 day late I have appearing illegally on my reports with them in XX/XX/XXXX for a closed XXXX/XXXX account which is damaging to me. The account was disputed on XX/XX/XXXX on this Government website after numerous attempts to contact and dispute via mail over the past few years with these two bureaus. I had no issues with my dispute with transunion and I am so surprised I have been put through the ringer with XXXX and Experian. On XX/XX/XXXX I asked the two bureaus to be investigated for not changing the late or deleting the account because the negative information is not right. They have continually verified it after I have asked XXXX / XXXX to fix it too and no one has provided me with an actual investigation or a call back. 

On XX/XX/XXXX I was surprised to receive a letter from XXXX denying to change the late or delete the account without a single ounce of an explanation. I will attach the letter here. 

I asked XXXX  and Experian to hold them responsible and let them know that they are not allowed to report me late for a revolving interest charge that I was not made aware of and told was not going to be held against me months later when I called to close the account and that is why this reporting is wrong and should be removed or the whole account deleted. 

I am a smart woman and I studied my laws on Consumer Credit Protection Laws and what these two bureaus are doing is just pushing me in circles with XXXX/XXXX and verifying the same information without any form of investigation at all. 

According to section 1631. ( c ) per diem interest is to be disclosed to me, the consumer, by XXXX XXXX and it was not when I called to make my payment for the mont of XX/XX/XXXX. The only amount disclosed to me was a {$30.00} charge and a few cents in interest and never once did the representative state that I owed any form of revolving ( per diem ) interest and never was I made aware when applying for this card in store that that was a practice of XXXX/XXXX. Because of the fact that the per diem interest was not made aware to me I was reported late over a matter of {$6.00} dollar and that is unfair practice according to FCRA and consumer LAW, I want this account deleted or corrected as I was promised in XX/XX/XXXX when I called. 

My problem now is strictly that the letter I received from XXXX did not address ANYTHING ... I called XXXX on multiple occasions and they claim that since my account has been closed for over 2 years ( it is actually 4 )  they are not able to retrieve ANY information or verify my claims. I asked to have my phone calls pulled so that they may be heard by the agents at the Consumer Financial Protection Bureau but no one responded to my request. 

Another issue I have is that this account ( XXXX ) shows different statuses, terms, dates and updated dates between the two agencies reporting this and this is causing a big problem for me. XXXX  has wrong terms updated in XX/XX/XXXX without explanation to me. And Experian has wrong terms and remarks and dates dating all the way back to XX/XX/XXXX. 

Why did XXXX  and Experian NOT respond to me but allowed XXXX to respond with two sentences, no explanation and no proof but also allow them to make mysterious changes to my credit reports? 

XXXX and Experian have been claiming for weeks that " they still need time to investigate ''? Where was the actual investigation into the lie that I was not supposed to be reported late over a revolving interest charge that was not made aware to me? 

Please explain and address this with XXXX/XXXX, the agents at the consumer Financial Protection Bureau and let us get to the bottom of this. I need to purchase a home and this stall method is driving me crazy and I can not make a move with my family.

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