Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is difficult to find the appropriate higher up individual at XXXX XXXX XXXX  to discuss the matter. I have contacted XXXX. The company hyper-marketed to me to get another card for many years to the point of harrassing or pressuring me. I was getting emails every two days in XXXX ( attached XXXX screen shots that I qualify for a second card. 
I resisted for a long time, and we all often do, at XXXX time, I finally fell prey and got the second card in XX/XX/XXXX XXXX XXXX )! I used the card once or twice, there wasn't much credit line on it, like {$700.00} where the first charge was a fee of about {$150.00} before I could even use the card! 
After the first or second use of the card, they slammed me with {$90.00} fees and late payments!, by XX/XX/XXXX without even using the card after the second time, I was now owing them XXXX! 
The debt had doubled in less than 6 months. 
To make matter worse, the covid-19 time did not allow me to receive mails at my home as I could not return home from the holidays as someone in my family had covid in XX/XX/XXXX. By the time I returned home, I had hundreds of letters from XXXX XXXX with an exhobitant bill and didn't know what. Now, my credit scores are impacted by this one company due to : 1 ) The recency of this unpaid bill occurrence.

2 ) I never worried much about this bill as I already was on auto pay with the other card ( account ) I had with them that was never late. Unfortunately this was not the case, the credit cards were being billed separately. 

Action I have taken : I have asked XXXX XXXX to delete the derogatory line item from my credit report. I have not been able to find the appropriate person to discuss this with so that they can take action. I have sent a Fax to the company Correspondence Dept, but I am not confident that my complaint will be addressed. In the meantime, each time I call them, all they want to do is to increase my credit line and slam me with more fees. I have turned them down. I want them to stop marketing to me each time I call. I want them to address my complaint! They don't seem interested in this. 

1 ) It is unfair that they can hyper-market to me every two days to get a second card. This is consumer cohesion-pressure to purchase.

2 ) It is unfair that my credit is impacted during covid-19 and is a big ding in my credit score and I had this card-account in such a short time during a very difficult time where I did not receive my mail on time. 
3 ) I have been their customer in good standing for many years, all that is not taken into consideration. They have destroyed my name over a credit card worth {$500.00}.

4 ) They unfairly slammed me with fees, interest and late charges that I cant even begin to make sense of. 

Please help.

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