Consumer complaint received 2017-10-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Saturday evening XXXX XXXX I received a new update from XXXX and XXXX advising me that I have another late payment to XXXX XXXX XXXX XXXX account and to XXXX XXXX XXXX XXXX account they are reporting me past due and no payment received in XXXX  and XXXX not only did they receive their payments the payment to XXXX XXXX XXXX XXXX is directly taken from my bank account I with XXXX XXXX XXXX I have confirmed with a bank that XXXX XXXX XXXX XXXX has taken $XXXX in both XXXX 2017 about the XXXX - XXXX of the month and XXXX 2017 on or about the XXXX - XXXX of the month each payment is for $XXXX they report I have no payment amount I do they set up with me on XXXX XXXX 2017 through their own recorded conversation my conversation with a cup customer service representative representing XXXX XXXX XXXX XXXX at that time I offer to pay $XXXX for my balance for my complete balance of $XXXX for a pair of jeans my bank account shows they took $XXXX  directly from my account they accepted orally on a recorded conversation by them to take $XXXX from me XXXX XXXX prior to the right off and accepted payment arrangements of $XXXX per month to go to fees and interest until paid in full even though I don't heal I owe some of those fees and interest because in the recorded conversations I had with other customer service representatives in XXXX  and XXXX and XXXX several times I have the dates I asked why the money was not coming from my account they told me to hold and do nothing because I was in an escalation department and they would get back to me with a decision or results nothing happened I continue to call until they finally in XXXX began taking XXXX per month they report no knowledge of a monthly payment yet they take $XXXX from my bank account each month beginning in XXXX 2017 they also agreed to the payment arrangements by waving the late fees and interest it is on my statement and on recording XXXX  XXXX 2017 with the same person they report no payment arrangements they got money in XXXX on or between the XXXX and XXXX 2017 and in XXXX between the XXXX and XXXX yet they report no credit being made it is on my bank statement they report on my bank statement that it is a phone payment by me that is not true they do not have my phone number I do not call them it was set up to be an ACH electronic payment I gave them my routing number and account number to my checking at XXXX XXXX XXXX in XXXX they have received their payments they continue to report no payments received I believe this is to be malicious because of my many complaints I have to complain almost every day because each time I complain I get a new copy of my credit report from XXXX XXXX and it shows new bad information making it necessary for me to put in yet another claim where is there proof why are they not cooperating with the investigating Credit Union XXXX said their investigation was complete XXXX XXXX yet no one has requested the recording or looked at the payments that they are taking and the $XXXX they took over the phone from me with my debit card it is on my bank statement and on their statement to me they continue to report no payments a zero amount yet if you look you will see each month my balance due reduces $XXXX each month it is a lie that they got no payment in XXXX 2017 and XXXX 2017 they take it directly from my bank I need someone to look at their proof not just accept their letter stating that they are correct make them prove it I cannot send you my copies other than through the mail I keep saying that I am a XXXX XXXX I have no printer or computer no one responds to me I am happy to mail in all of my mailing address to you I am at the point that they are now causing me monetary damages due to miss reporting my insurance for my house went up $XXXX because the reason given is credit I have the page from the statement that says that is the reason I asked my XXXX XXXX XXXX to raise my credit limit as recommended to reduce my debt to credit ratio they denied me after 14 years of never missing a payment because of XXXX XXXX XXXX XXXX credit reporting they report me as a written off first they said sold to another buyer that was not true now they put that they wrote it off to profit and loss that is not true they are taking XXXX a month from me I don't know how many times I have to put in complaints they keep Miss reporting I believe intentionally because they have my bank account routing and account number they take XXXX per month each month and report and not report it would someone please investigate these people the credit bureaus are not doing their job they are not investigating or they would see from the accounting from XXXX XXXX that they take $XXXX per month you can see that my balance reduces my $XXXX each month they also miss report my credit use I was when I open the account given a $XXXX limit $XXXX limit I only charged $XXXX I paid them the $XXXX on XXXX XXXX 2017 look at their records look at my records the remaining $XXXX is for fees and interest only they then reduced my cousin out to XXXX which is what I owe them at the time they last reported in XXXX since I made a payment in XXXX and XXXX my balance is $XXXX this is ruining my good credit I have 10 years of perfect credit except for XXXX XXXX XXXX XXXX I have a second complaint for misreporting XXXX XXXX XXXX XXXX XXXX account I will post that separately they agreed to the payment arrangements they are accepting my money they have waived fees they have accepted in three ways orally and financially as well as waving of the equivalent in fees and interest all done for days before they post I was written off XXXX XXXX 2017 these payments were in place and they accepted money for days earlier XXXX XXXX 2017

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 non-monetary relief