Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their malicious, deceitful/deceptive, fraudulent business operations ( See attached Exhibit D, http : //files.consumerfinance.govXXXX and XXXX XXXX XXXX ) which includes, but is not limited to, collusion, fraud, negligence and malicious intent against consumers of XXXX XXXX XXXX XXXX 's products and services. How many bank account digits does XXXX XXXX XXXX XXXX 's payment system REQUIRE to generate a payment confirmation? For example, can a consumer entered just 2 bank account digits into XXXX XXXX XXXX XXXX 's payment system and get a payment confirmation? There is NO civilian/citizen/consumer misunderstanding. Timestamped consumer bank records are available upon request to justify SUFFICIENT funds were available to pay ALL payment incidents in XX/XX/XXXX. For the record, XXXX XXXX XXXX XXXX 's WEBMASTER ( S ) may show a login on XX/XX/XXXX, but it now appears that XXXX XXXX XXXX XXXX 's WEBMASTER ( S ) created an instance/tampered with consumer records to XXXX. Let me be CRYSTAL clear : I DID NOT login and cancel my XX/XX/XXXX payment just to replace the payment again on XX/XX/XXXX. I had to resubmit a payment on XX/XX/XXXX due to XXXX XXXX XXXX XXXX FAILING TO PROCESS/WITHDRAW and APPLY MY PAYMENT CORRECTLY TO MY ACCOUNT on XX/XX/XXXX. FUNDS WERE N'T RECEIVED BY XXXX XXXX XXXX XXXX because XXXX XXXX XXXX XXXX FAILED TO PROCESS/WITHDRAW and APPLY MY PAYMENTS CORRECTLY TO MY ACCOUNT. My incident is one of many that have been cited as suspicious and malicious acts of fraud, collusion and corruption with other organizations affiliated/associated with/does business with XXXX XXXX XXXX XXXX. Again, there 's class action litigation http : //files.consumerfinance.govXXXX  regarding XXXX XXXX XXXX XXXX 's operations, that include, but are not limited to, malicious operations with XXXX XXXX XXXX XXXX 's  accounting practices . 

( 1 ) I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached files - Exhibit A as well as Exhibit A1 which are XXXX sourced Payment Receipts and Confirmation electronic records ). XXXX XXXX XXXX XXXX PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( 2 ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit C ) and XXXX XXXX XXXX XXXX PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). ( 3 ) XXXX XXXX XXXX XXXX consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached consumer credit report document/file labeled Exhibit E ). ( 4 ) XXXX XXXX XXXX XXXX sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by XXXX XXXX XXXX XXXX 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.

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