Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: CA
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:
On or about XXXX, XXXX Bank inaccurately reported to Experian and XXXX that my account was 30 days late in the amount of {$19.00}, when in reality it was merely a shortage of remittance by {$4.00} and only because XXXX failed to send me a Notice of Short payment which if they did, I could have easily paid instantly. But in lieu of a legal notification, XXXX added a 111 % Late Fee of {$4.00} and increased the amount due to {$9.00}. 

In XXXX, the XXXX credit card was recommended by my Timeshare company, XX/XX/XXXX ( whose logo is imprinted on the card, as if they were affiliated ), and I only accepted it so XXXX can automatically charge my quarterly maintenance dues every XXXX day of XXXX, XXXX, XXXX, and XXXX, and my Bank is set up to AUTOPAY XXXX on the XXXX ( 2 days before the due date ) every XXXX, XXXX, XXXX and XXXX. 

All my accounts are set up on AUTOPAY OR BILLPAY, so I am never late with any company ( as you can verify from my credit report for the past 20 years ), including XXXX. In my first year with XXXX, I always overpaid and ended up with a CREDIT BALANCE, and I never, never called them up to ask for a refund of my small credit balances. But for the first time on or about XX/XX/XXXX, without my request, XXXX suddenly refunded my credit balance from my XXXX overpayment, which therefore caused my payment to be short by {$4.00}. It is XXXX fault. 

XXXX never sent me a single Notice of Short payment of {$4.00}, never sent me a collection letter, as they are legally required to do so, so I could have paid INSTANTLY way before it became overdue and assessed 200 % late fee, but on top of the late fee & interests and the NEGATIVE REPORTING, they secretly SUSPENDED my account and declined the charge made by XXXX on XXXX, again without notifying me, so that I could have paid XXXX my maintenance due for XX/XX/XXXX DIRECTLY. 

So instead of paying {$180.00} directly to XXXX for XXXX dues, the money was still paid by my bank automatically to XXXX on XXXX, XXXX days BEFORE the XXXX DUE DATE, which at the time, the overdue amount was only {$9.00} and NOT {$19.00}, as they reported to the Bureaus. And I ended up with a huge CREDIT BALANCE of {$160.00} since XXXX. 

Yet, instead of reporting ( {$160.00} ) CREDIT BALANCE on my credit report, XXXX reported a XXXX balance, and they still did not remove the {$19.00} - 30 days late. 

Meanwhile, in XXXX, I received a collection letter from XX/XX/XXXX, which was when I found out that the {$180.00} should have been paid to XX/XX/XXXX instead of to XXXX, and when I called XXXX in XXXX to request for the REFUND OF MY CREDIT BALANCE ( the call was recorded ), they only refunded my {$160.00} in XX/XX/XXXX, AFTER HOLDING MY MONEY FOR MORE THAN 75 DAYS, AND NOT PAYING ME ANY LEGAL INTERESTS ( when they are charging me {$15.00} interests for a measly {$4.00}. 

Because of XXXX FAILURE To Notify me of the suspension of my account due to a miniscule {$4.00}, I had to pay late fees and interests to XX/XX/XXXX on top of the {$180.00} even though the resorts were closed for 1-1/2 years due to Covid-19. 

Because of XXXX false reporting to the credit bureaus re my account, my credit score plunged by 100 points from XXXX ( EXCELLENT ) to 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