Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX I attempted to file a dispute for some inaccurate information for my XXXX XXXX credit card but the online dispute system refused to accept my dispute. Listed below is the basis for my dispute. 

On XX/XX/XXXX I received a notification from Experian stating that my XXXX XXXX credit card account was 30 days past due. When I contacted XXXX XXXX they informed me that I made my minimum payment of {$45.00} on XX/XX/XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. I then contacted customer service again and spoke with XXXX ( # XXXX ) and she took the time to explain what was going on with my payment history. She stated that back in XX/XX/XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XX/XX/XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XX/XX/XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XX/XX/XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$54.00}. I then made the payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XX/XX/XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XX/XX/XXXX. XXXX the customer service rep stated that the payment made on XX/XX/XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XX/XX/XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XX/XX/XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. If XXXX XXXX would have applied the payments as instructed then the account would be current.

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