Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : XX/XX/XXXX I submitted the following complaint on : I am submitting this claim regarding the XXXX XXXX XXXX XXXX  account ending in XXXX I have with XXXX XXXX in regards to the excessive amount of incorrect past due fees, increasing the credit balance thus have been incorrectly reported to the credit bureaus : XXXX, XXXX, Experian, and XXXX XXXX XXXX. The following past due fees were assured to be removed by a supervisor I spoke with in XXXX of XXXX, since the XXXX XXXX dashboard would not let me add any type of payment card to make payment on-time : XXXX {$39.00} XXXX {$39.00} XXXX {$39.00} XX/XX/XXXX {$39.00} Total amount of late fees that were assured by XXXX XXXX to be removed : {$150.00} XXXX XXXX has not removed these late fees of {$150.00} and have incorrectly reported two missed payments to XXXX in addition to reporting the wrong balance of {$510.00}, causing my card to exceed the {$500.00} limit. Therefore, I would like the past due fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX removed from my account, making my total credit balance- {$350.00}. I came to this calculation by deducting the past due fees of {$150.00} from the current incorrect balance of {$500.00}. I would also like the interest expense adjusted accordingly. I have been trying to resolve this issue for months, each time I am referred to a different XXXX XXXX representative who assures me this issue will be resolve and I should see this reflected on my credit report within a few business days. XXXX XXXX has affected my ability to obtain new credit and has tarnished my personal and business credit reputation on the basis of incorrect information. I would like this issue resolved immediately as I feel this is very unfair as XXXX XXXX is at fault. Additionally, I have called XXXX XXXX on several occasions to switch credit card types-from the XXXX XXXX XXXX XXXX Card to the XXXX XXXX XXXX XXXX XXXX Credit Card. Every time I call making this request, I am given the broad answer of " Unfortunately we can not switch your card at this time, because the system will not allow us too '', which does not provide a reasonable explanation to the hard inquiries ran on my credit report and I do not receive any additional information, including by mail, on the reason I could not switch my credit card type. Doing business with XXXX XXXX, personally or as a business has been very inconvenient and frustrating to say the least. I hope to shed light on this situation, so others can avoid similar situations. 

I received a response from the company on XX/XX/XXXX to my initial submitted complaint illustrated above, with information I feel is false or misleading. On XX/XX/XXXX I initiated a chat session regarding the status of my online account after not receiving assistance over the phone on multiple occasions prior. 
I spoke with a representative on XX/XX/XXXX, who informed me that my payment would be processed using my XXXX business debit card over the phone and that all the late fees in the total amount of {$150.00} would be removed and my XXXX XXXX would not be impacted. As a result of this conversation, I received false information from the company as my XXXX XXXX went down because of this which has affected my ability to obtain new credit. 

Additionally, the company should clarify that it does not accept XXXX debit cards for XXXX credit card payments. This was very inconvenient to me as all of my business funds were on my XXXX debit card in addition to I wanted to keep my business and personal expense separate in accordance with accounting procedures. I received no notification that XXXX XXXX did not accept business debit cards until speaking with the representative on XX/XX/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