Consumer complaint received 2019-05-04
Company: Experian Information Solutions Inc.
State: OR
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: Investigation took more than 30 days

Complaint:
XXXX XXXX To whom this may concern These items of the month of XX/XX/XXXX, XX/XX/XXXX an XX/XX/XXXX have been reported inaccurate the For the month of XX/XX/XXXX I have a receipt for the amount of XXXX dollars that I had deposited at an co-branch on the date of XX/XX/XXXX which would should have applied to the payment of the due date of XX/XX/XXXX, and I also processed an online payment of remaining balance which would have made my payment due on time.

For the month XX/XX/XXXX I had processed a payment from my bank account of the amount of XXXX on the day of the XX/XX/2018 I had called XXXX XXXX XXXX to confirmed if they received the payment, or not because on my bank statement it had showed me the XXXX was still in my account, and the XXXX   representatives stated to me YES that they had received my payment, and that XXXX had the money in there procession and that there was nothing I need that I needed to worry about, So XXXX had confirmed over a recorded call that they received my payment for the month so it wont effect credit, then Monday comes by I call XXXX again to see why are the funds still available in my account, and at that moment the rep had stated that I had put the payment through on an old account which is why I had gave them a call on the XX/XX/XXXX to confirm because on the online payment site I have two account numbers that I can process a payment from, and I wasnt for sure I had used the correct one. And on XX/XX/XXXX if they would have provided me with correct information I would have removed the money from my account, and had went to a co-branch to transfer the money over so that my payment would have for sure been on time. And XXXX XXXX XXXX site wont allow you to process more than one payment in a week time frame.

I had called an spoken with a supervisor at XXXX an stated that there XXXX representative had confirmed that they received my payment, and nothing should affect my credit because you all had received the payment, and she had listen to the call of them confirming that XXXX received the payment an she stated that she not changing the credit reporting even though XXXX had confirmed that they received the payment.

For the month of XX/XX/XXXX I had processed a payment of the amount of XXXX on the date of XX/XX/XXXX and I tried every day after to process a payment of XXXX but XXXX XXXX wouldnt allow me to make a payment until XX/XX/XXXX, which wouldnt have processed out until the following Monday which I believe which would have been on the XX/XX/XXXX I have screenshot proof that I tried to process my payment but XXXX XXXX XXXX site would not allow me, so I defiantly shouldn't have been reported late for that month because of there system issues.

This credit union has been nothing but a XXXX XXXX XXXX XXXX before getting involved with this company I had a perfect payment history with all my other car loans that I have never ever been late any of payments, and this company has completely ruined my credit history an score, I honestly feel in my heart that I am being discriminated because of my race or something i'm not sure If I know the girl XXXX XXXX who has reported me late on my payments, but she has gave me the feeling of that she just does not completely like me XXXX has literally yelled at me to get her point across she has gave me false information. XXXX has even called me a liar, I have even ask XXXX  to review her monitored an recored phones calls to confirm her information, and she states to me that me an her phones calls are not recored which is defiantly a big concern.

All I want is this company to fix the credit reporting errors that they have created, but i am getting the most hardest time with this company ...

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