Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I Have always paid my XXXX XXXX XXXX payment as agreed. Due to a combination of bank errors, XXXX XXXX XXXX not updating my account info as requested, failing to have a system in place to collect payments after items were incorrectly returned NSF due to bank error and falsely claiming that they had overridden their own system to successfully post a large payment in XX/XX/XXXX, XXXX XXXX XXXX is now falsely reporting my account as past due from XX/XX/XXXXXX/XX/XXXX. To demonstrate part of my case I only have to point to the XX/XX/XXXX XXXX credit reporting. Upon finding out for the XXXX time that XXXX was owed money due to their own breakdowns, I immediately paid {$1300.00} XXXX which XXXX shows as being received on XX/XX/XXXX ). Later in XX/XX/XXXX, I paid {$430.00} which everyone agrees would not make another payment due until XX/XX/XXXX. It would have taken an additional 30 days for XXXX to consider any payment as 30 days or more past due. My XX/XX/XXXX credit report for XXXX reflects my account as being 60 days or more past due. These problems began with my XX/XX/XXXX payment, which I paid with good and collected funds. However, my bank mistakenly returned the payment NSF XXXX as evidenced by the attachment ). I was n't made aware of that at any time by XXXX and finally discovered this myself- at which time I immediately paid the amount owed in full XXXX XXXX XXXX the payment as being posted XX/XX/XXXX ). There was also a bank error in the summer of XX/XX/XXXX when a wire that was sent to my account was returned due to an extra number being added to the account number. It happened on the day I made a payment to XXXX XXXX as evidenced by the attachment ). Again, I was n't made aware of this at any time by XXXX as XXXX had failed to update my contact info. I was travelling in my home country of XXXX that summer. My boyfriend, who XXXX contacted, had made a large payment in XX/XX/XXXX to cover the bank errors that had occurred. Unfortunately, that payment never posted. The XXXX rep had incorrectly told my boyfriend that he had successfully overridden the system to accept payments that otherwise would n't have gone through due to the recent bank error returned items. I have written to XXXX on more than XXXX occasion. ( sent certified mail- yet they claim they did n't receive ) asking them to correct the info on my credit report. XXXX has refused to correct my account info or even respond materially to the issues. XXXX has given me numerous examples of incorrect and false information regarding my account. Other than this 7 month stretch when the bank returned a check I had sufficient funds on, I have had no late payments of any kind in the past 6 years. I have 18 months of timely payments both before and after this single chain reaction episode from XX/XX/XXXX through XX/XX/XXXX. XXXX is also profiting from a flaw in their system by charging me late fees on payments that could n't be accepted by them after my boyfriend discovered the banking error in the summer of XX/XX/XXXX while I was in XXXX and he tried to make payments over the phone. Their system obviously did n't allow the customer service representative to over ride the controls as he had claimed he had successfully done. After XXXX XXXX XXXX tells you that a payment was accepted- they need to stand behind their word or at least not continue to cause harm to the consumer due to their own negligence. This fueled the problem and has caused my credit report to show many additional late payments to XXXX. I have read the terms and conditions that go with my loan. I made the payments with good and collected funds. XXXX has no basis in reporting the account in any way other than " always paid as promised ''.