Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I submitted XXXX disputes to the CFPB regarding incorrect information reported to all XXXX CRAs. XXXX and XXXX are the XXXX case ids through CFPB. According to their reporting, no payments have ever been made towards the delinquent balance. However, they also reported a recent payment was made on both accounts. I disputed the open dates on both accounts and also the payment history is obviously incorrect as the information on the reporting contradicts the payment history. 
The company responded with regurgitated information which I was aware of. I explained in my initial dispute and also with conversations to XXXX I was in a homeless situation the dates these accounts were purchased by XXXX, but yet they responded about how they sent me mail. Obviously,, the mail was not received as I was living out of my car with no access to regular XXXX mail. Even though they had my email address, they chose to use snail mail as a form of communication. 
The disputes were concluded by XXXX stating no further steps required and the issue is now considered closed. Yet before that statement a promise was made to send me a verification letter confirming the amount in collection is accurate. There was not an explanation provided for the inaccuracy of the payment history or the dates of the account. 
The account that was associated with CFPB report number XXXX was removed from all XXXX CRAs within a couple of days of the dispute. 
CFPB XXXX remains with the inaccurate payment history and the promised debt verification letter was never received. 
XX/XX/XXXX, I called XXXX regarding the absence of the promised letter. The representative automatically went into collect payment mode. Totally disregarding my inquiry, I was offered reassurance simply by paying {$8.00} today by tomorrow my accounts would go into a pay status. I again inquired about the missing payment and she did confirm that XX/XX/XXXX a payment was made towards the account for {$54.00}. When asked about that information missing from my credit reporting, your account was not in a paying status which is why the amount was not reported. However, if I pay {$8.00} today which can quickly be achieved by giving her my banking information, the status of the account will be changed within XXXX hours. Again, why didnt the previous payment not count? 
She confirmed due to the age of my account I will not be sued for the amount. I explained my goal after conquering homelessness but a diagnosis of XXXX XXXX XXXXXXXX XXXX limits my work options and right now I am only part time work from home. I would like to review the documents that were promised but not provided. She promised to get those out to me but in the meantime the best step I can take to get this cleared up is to pay {$8.00} today. I restated my desire to review the documents since the XXXX payment is missing I would like to double check the history for any other missing payments and compare that to the amount they state is owed. Since you are refusing to make a payment there is nothing more I can do for you. I will get the letter mailed. And the call ended

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