Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear Ladies and Gentlemen : I would like to file a complaint with your office concerning a Consumer Credit Card account which is established with XXXX XXXX XXXX under the name of XXXX XXXX XXXX and account number *******************. This account is currently closed but is still being incorrectly reflected on my Experian Credit Report as being previously past due 30 days. Although I have been able to rectify this situation with both the XXXX and Equifax services by contacting their individual offices, XXXX XXXX XXXX refuses to contact Experian in order to request that Experian remove this erroneous information from their reporting system. 
The incident being reflected on the account occurred in XXXX of 2012 when the account in question went past due on a single occurrence for an amount slightly over {$100.00}. At that time, my financial institution XXXX XXXX which had been previously owned XXXX XXXX changed the routing numbers on all of their checking accounts to reflect the new ownership of the bank. Although the routing numbers changed, all of the other information to include the account numbers remained the same. 
My checking account ( now with the XXXX XXXX XXXX was set up to with XXXX XXXX XXXX to make automatic minimum payments on the XXXX XXXX XXXX account each month. Due to the change in routing numbers, I notified XXXX XXXX XXXX and requested that they make the appropriate changes to the established automatic payment information to reflect the new routing number. That did not happen. 
As a result, in XXXX of 2012 XXXX XXXX XXXX attempted to make the automatic minimum payment on the XXXX account using the obsolete routing number belong to XXXX Bank which was no longer in business. As a result, the payment did not go through. I then received a single voicemail from XXXX XXXX XXXX requesting that I contact their offices for an unspecified reason. When I contacted them by telephone, their representative indicated that they had no record as to why they called. Since I was not informed of any problems with the account, I did not follow-up any further. 
Approximately 30 days later, I received an automated e-mail from my credit monitoring service saying that there had been a dramatic drop in my credit score attributable to a consumer account going past due. I immediately discovered the issue with the XXXX XXXX XXXX account and contacted their office. Since I had ( A ) previously informed XXXX XXXX XXXX of the routing number change, ( B ) Contacted their offices immediately upon hearing they called for me, and ( C ) was told explicitly by their rep that there was nothing wrong with the accounts when I offered to fix any issues, I firmly believe that I am not responsible for this single incident of late payment. 
As a result, I have spoken to nearly a half dozen people with XXXX XXXX XXXX over the last few years and each refused to take any action to remove the erroneous information. I have, however, contacted the individual credit reporting bureaus over the last few years and have been somewhat successful in having this erroneous information from my credit history. This has included a successful resolution under XXXX Inquiry Number : XXXX. Unfortunately, the Experian Credit Bureau refuses to remove this detail from my history unless they are contacted directly by XXXX XXXX XXXX. 
I just recently learned of the existence of the Consumer Finance Protection Bureau and your mission to assist consumers. I was hoping that you might be able to help me resolve this long-standing issue. Any help that you might be able to provide would be greatly appreciated. Please do not hesitate to contact me if I can provide any additional detail. 
Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX ( XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation