Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: PA
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:
I ironically have had the same fight with 3 different credit card companies during the Covid-19 pandemic. I paid for & enacted my benefits verbally by phone on all 3 of my cards in the same month. 
1. XXXX XXXX Credit Card Company 2. XXXX  XXXX Credit Card Company 3. XXXX XXXX XXXX Credit Card Company All 3 were using an outside source to handle their Credit Insurance claims until somewhere about XX/XX/XXXX. Then they started handling their claims in house which caused a lot of confusion and disorganization for its customers. Applications were lost, never fully processed or processed incorrectly, deadlines exceeded & customers were asked to submit the same info 3 - 4 times without receiving any help afterwards as well. My claim was approved in XXXX of XXXX for the loss of wages in XXXX of XXXX. Then I called to report that I was laid off the one hob in XXXX and the other in XXXX of XXXX. I inquired with each company about when my credit insurance benefit payments would begin to appear on my accounts & was reassured that I was approved but due to lack of staff it would be a longer wait than normal. I did my best to pay what I could for months and I kept in contact with each company regularly updating them on my employment status & my inability to make payments while awaiting my credit insurance to be applied. In XXXX of XXXX, I had run out of funds to pay anything at all on any of the 3 accounts and was assured once again that my benefits should be activated within days. 
I received a call in late XX/XX/XXXX, from the collection department of XXXX XXXX XXXX  stating that my account was in collections for a large sum of money. I insisted to speak to a supervisor. After an hour, this female supervisor was able to get a supervisor on the phone from the credit insurance department, who verified my status as approved and submitted a request to find out what was the issue with my benefits being applied to the account. The supervisor from the credit card company also submitted a request for an investigation to be done into why my account wasnt being paid and showing as current. The result of that request, was that I was refused the right to receive a proper investigation and my account was closed a few days after this convo. Some of the credit insurance benefits for each of these companies were in fact applied in XXXX of XXXX but my credit report was not made to reflect that it was there choice not to enact my benefits which I was charged for monthly. Not to state for the credit bureaus that it was these companies decision not to report my account accurately to reflect their mistake or ineffective management of my accounts. Each of these companies failed to provide the services that they advertise, offer, and charge customers for. They did not uphold the terms of the agreement regarding my credit insurance. This action has cost me a lot of money and has impacted my ability to make necessary purchases and obtain more credit. 
How do I get : - all 3 of these companies to rectify their credit reporting mistakes? 
- XXXX XXXX to legally reopen account? 
- XXXX XXXX XXXX to raise my credit limit back to where it was when I agreed to pay my balance minus the fees that were erroneously attached. We agreed that the credit limit would not change once I paid the new amount. 
Unfortunately, this month my credit limit was decreased by {$200.00} dollars without warning or reason. I still havent charged any amounts to the XXXX XXXX XXXX  nor do I owe tbem any money. 
My other 2 accounts deserve to be investigated thoroughly and reported property on my credit report. They should reflect these companies mishandling if my accounts and not that I just decided not to pay. I cant get Experian to understand my issue so I havent had much luck with any of my claims. 
Please assist me in getting these issues rectified do that I can continue to build my credit. I have offered to pay what o owe to the other 2 companies, but they make no effort to rectify their mistakes to ensure a fair resolution for all.

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