Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received my XXXX XXXX credit a couple of years ago I believe. I was making payments on time ( I have all the statements and all documents/ messages from them ). My dad had authorized his bank to make payments on my card as well. One day they closed my card and returned ALL PAYMENTS and made every transaction that had been paid for into a total balance I owed. The original limit of my card was {$300.00}. However, Ive paid over a XXXX dollars to them at the very least. My dad even produced a letter from his bank stating that hed approved the payments. After my account was closed, they kept wanted to give me settlement offers which I eventually just accepted. I began to pay each time on time but every other payment was getting returned returned returned. Even when it had come out of the bank account the payment was made from. They stopped reporting my payments in 2020 and never reported a single payment since to the credit bureau. Even though I have messages from them stating that they were reporting my payments. I hired a lawyer that deals with credit repair and they then began to finally return my calls and questions, but still lied. I finally received a letter from a supervisor this year stating that I owed them nothing. Yet for XXXX months my credit report continued to show that I owed {$200.00} or something similar to it. I spoke to one representative of theirs who and I quote said man, Im sorry, it looks like they screwed you over, they didnt even alert you that they were going to charge off your account. This was all in the midst of me STILL PAYING THEM BUT NONE OF IT BEING REPORTED. MY BALANCE would go down on the app but on my credit report it to this day shows Im like over 150 days late on making s payment. I have all the records, payments, recorded phone calls of them lying. They tried to appease me after the pressure was put on and now theyve updated my credit report only to Paid. settled for less than amounttheyve hurt my credit score for two years now. Ive been the victim of identity theft for the past 3 years and some of the charges on there werent even done by me. Yet Ive disputed it with the bureaus to fullest extent even giving the documents proving that what Ive said was correct. I just want them to fill in the correct payment history for each month that a payment was made. Which they continue to say theyll do, then another agent will say that they cant change it, then another will say it will be updated in 45 days. If its not correct Im going to file a lawsuit. With all of the audio phone recordings, lies etc theyve told me over the years. Yes, some payments were returned but only because they deemed the account I was paying from didnt have my name on it. Im so sick of dealing with them and theyre continuing to hurt my score. Please help me.

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