Consumer complaint received 2016-02-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/XXXX, I received a letter dated XXXX/XXXX/XXXX notifying me for the first time that my XXXX XXXX XXXX XXXX XXXX account had been closed because it was more than 90 days past due ... but I had never received even XXXX bill for this. On XXXX/XXXX/XXXX, I called XXXX, the Customer Service number for XXXX Bank Delaware and spoke to Account Manager XXXX. I explained that since XXXX Bank Delaware took over the XXXX XXXX XXXX card processing from XXXX, no bill had been mailed to me and no notice had ever been sent to me that all bills for this personal account would now be paperless and sent only electronically on computer rather than by paper hard copy via the USPS. This seemed strange to me because my XXXX XXXX XXXX XXXX XXXX business card account was being sent to me by paper hard copy via the USPS. XXXX agreed that for unknown reasons, my XXXX different accounts were being processed differently and without my consent, but she was powerless to do anything to correct this. She said that my account had been sent to the XXXX Bank Delaware Collections Department, that they would have to correct this failure of XXXX Bank Delaware to perform, and she tried to transfer me to them, but no one picked up her call. She suggested that I call back on Monday. I called back on XXXX/XXXX/XXXX and spoke to Account Manager XXXX who then tried to transfer me to the Collections Department ... but I was cut off. I called again and spoke to Account Manager Precious ID # XXXX who then successfully transferred me to XXXX XXXX, a Supervisor in XXXX Bank Delaware Collection Department. I reviewed and explained to XXXX XXXX the situation and that prior to this billing change which XXXX Bank Delaware had unilaterally made, all of my payments had been prompt and on time. He placed me on hold, reviewed my account history, agreed with my grievance, could not explain how this happened, apologized and stated that he would rectify my account and make certain that all future bills would be sent to me by paper hard copy via the XXXX. He stated that my account would remain open, all finance charges would be removed, the then current balance would be set at XXXX as of XXXX/XXXX/XXXX, and a new net bill due would be issued on XXXX/XXXX/XXXX, with payment due date of XXXX/XXXX/XXXX. I requested that XXXX XXXX send the corrected XXXX Bank Delaware records of my account for the months of XXXX, XXXX, XXXX, and XXXX showing that no Account Past Due/Delinquency was owed, that my account was not closed at credit grantor 's request, and that my account was in good standing to the XXXX consumer credit agencies : ExperianXXXX. XXXX XXXX stated that he would do so. I called XXXX Bank Delaware on XXXX/XXXX/XXXX to follow-up if they had completed their promises. XXXX XXXX of the Collections Department stated that XXXX Bank Delaware had corrected their internals records of my personal account to show that there were no late payments, the finance charges had been reversed, my account was open and in good standing ... but XXXX Bank Delaware had NOT sent on their corrections on to the Experia, XXXX XXXX agencies as promised. XXXX XXXX stated that she would make certain that this was done promptly. On XXXX/XXXX/XXXX, I received a letter from XXXX Bank Delaware dated XXXX/XXXX/XXXX stating that " We have completed our investigation and have determined that no late payments were reported to the consumer credit reporting agencies for this account. '' Interesting ... I do not know what to believe because the Experian, XXXX credit reports dated XXXX/XXXX/XXXX show this Account Past Due/in Delinquency in XXXX, XXXX, XXXX, and XXXX and that my account was closed at credit grantor 's request.

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