Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Ive been a victim of identity theft since late XXXX and still am dealing with it to this day. Ive worked with the FTC, Credit Bureaus & filed police reports. Ive thankfully had at least 30 both bank and credit card attempted openings removed from my reports. To my great regret I opened a XXXX XXXX credit card due to my score dropping from excellent to poor on.i opened it on XX/XX/XXXX. Problems began very quickly after the opening the account and it was closed at some point in mid-late XXXX. Out of nowhere they had returned every on time payment that Id made and changed what was a {$300.00} limit to {$920.00} on XX/XX/XXXX. 
I believe the reason given was due to my dad bank being used to help pay my card off. My dad had fully approved the use of making these payments yet they simply closed the account anyway. 
XXXX of the MANY reasons Ive reached out to you is because XXXX XXXX has/is still currently affecting my credit TREMENDOUSLY, by somehow submitting that its still open/delinquent and that I owe a balance.the status on Experian of the account has changed over XXXX different times. It currently shows Paid in settlement {$240.00} written off prior to that it said paid as agreed and Paid, Closed On XX/XX/XXXX the Experian status of my account said this Legally paid in full for less than the full balance. Also, the Experian payment history for XXXX XXXX, as of today shows I have missed payments on XXXX, XX/XX/XXXX, XX/XX/XXXX and thats the ONLY payment history it shows. I spoke with an account specialist/ refund and account XXXX from in XXXX XXXX snd she expressed how badly my account had been mishandled. In regard to, payments not being reported, changing of info on my credit report, not notifying me of things they claimed they had. To this day I can open the app and it says I have a statement from this month as well as a balance and that same agent said she has no idea why it continues to create statements years later Its completely wrong that my Experian credit report shows no closed date for the card yet its been closed since XXXX. I have so many messages and have spoken to numerous agents who admitted my account had been badly mishandled, even apologizing but stating all they could do was make sure that the credit bureaus updated my account and that would take up to I think 60 days if I recall. I contacted XXXX XXXX so much via email and phone that they stop responding to my emails and began hanging up on me mid phone call. Also, Ive received no less than XXXX refund checks from XXXX XXXX. 

Heres some of the many messages I received from an agent after my consistent complaining about how theyre killing my credit scoXXXX, with its delinquency status and continued paperless statements. I have so many documents to prove all of the things theyve done wrong that Experian and even XXXX I believe removed the account entirely ( I know XXXX did for sure ). It currently shows a balance of {$200.00} as of XX/XX/XXXX still to this day on the app. Yet youve seen the messages they sent me saying they would have the STATUS fixed with the credit reporting agencies and the refunds sent to me, yet they still claim I owe somehow on a card thats been closed for 4 years..Heres another message that was a email. 

XXXX XXXX ( Green logo at top of email ) Hi XXXX, We recently re-reviewed XXXX or more past fraud claims or disputed charges on your XXXX XXXX XXXX Credit Card account and have decided to fully credit your account for the charge ( XXXX ) that were part of the dispute in addition to crediting fees and finance charges that XXXX have occurred as a result. 
You'll receive a {$230.00} credit on your account within XXXX business days. You'll see this credit on your next account statement, or even sooner if you check your account on-line. There's nothing you need to do. 
If the credit amount is greater than your account balance, we'll send the difference as an XXXX credit to the bank account we have on file for you. 
If you have any questions, please send us a secure message anytime. 
Thanks for your patience, Heres another of MANY messages and emails Ive received from them, with many of them being complete lies, especially in regard to having the credit bureaus fix the status of my account. As you can see in the physical letter I received that I shared it says my BALANCE IS XXXX and that was dated in XX/XX/XXXX. To give you some since of a timeframe on this entire unfortunate situation look at the date of this other email : XXXX XXXX To : XXXX XXXX XXXX ( XXXX is my middle name btw ) Subject : We're Crediting Your Account Balance XX/XX/XXXX XXXX XXXX Hi XXXX XXXX We recently re-reviewed XXXX or more past fraud claims or disputed charges on your XXXX XXXX XXXX Credit Card account and have decided to fully credit your account for the charges ) that were part of the dispute in addition to crediting fees and finance charges that XXXX have occurred as a result. 
You'll receive a {$230.00} credit on your account within XXXX business days. You'll see this credit on your next account statement, or even sooner if you check your account on-line. There's nothing you need to do. 


Created : XX/XX/XXXX XXXX Last Activity : XX/XX/XXXX XXXX Hi XXXX, Thank you for your response. 
We understand your concerns. We've already submitted the correction to the credit bureaus. It can just take up to 45 days for the credit bureaus to post our updated request. 
It is very possible they will reflect the changes sooner than that. 
At this time the time frame for it to reflect is contingent upon the reporting agencies. 
Please let us know if you have further questions or concerns. 
Regards, XXXX This request is closed for comments. You can crest a follow up Update from XXXX XXXX Created : XX/XX/XXXX XXXX Last Activity : XX/XX/XXXX XXXX Message from XXXX XXXX 2 months ago XXXX XXXX, My name is XXXX and I am a Resolutions XXXX here at XXXX XXXX. 
We were reaching out to follow up on your account concerns. We have issued a check to the address we have on file for {$200.00}. 
Please allow XXXX days for your refund check to arrive in the mail. 
Additionally, we have also requested an update to report the account back as settled to the XXXX XXXX XXXX. 
Please allow up to 30 days for this update to reflect on your credit report. 
Please let us know if you have any further Questions or concerns. 

Message from XXXX XXXX 2 months ago ( dated XXXX XXXX ) Hello XXXX, My name is XXXX and I am a Resolutions XXXX here at XXXX XXXX. 
We were reaching out to follow up on your account concerns. We have issued a check to the address we have on file for {$200.00}. 
Please allow XXXX days for your refund check to arrive in the mail. 
Additionally, we have also requested an update to report the account back as SETTLED to the Consumer Reporting Agencies.

Please allow up to 30 days for this update to reflect on your credit report. 
Please let us know if you have any further questions or concerns. 
Best, XXXX I also received a physical letter via mail dated XXXX XXXX stating XXXX XXXX ( green Logo on top left ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX Email : XXXX Website : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX Dear XXXX, XXXX XXXX writing in regards to your XXXX XXXX Card XXXX XXXX XXXX. 
This message is to confirm that your account currently has a balance of {$0.00}. 
We report your payment history and balance to the credit bureaus each month after your statement cycle date. Please be advised that it is at the discretion of the credit bureaus as to when your account details are reflected on your credit file. 
If you have further questions regarding your XXXX XXXX XXXX account, please do not hesitate to contact us at XXXX. Our standard servicing hours are Monday - Friday, XXXX a.m - XXXX p.m. 
Sincerely, XXXX XXXX XXXX XXXX. 

Theyve not only misrepresented my account status and continue to but theyve changed it numerous times, likely due to my continued outrage and contacting them. XXXX a screenshot from the app of some of the MANY payments that were made : dashboard.missionlane.com Transactions Payment - Thank You XX/XX/XXXX Payment - Thank You XX/XX/XXXX Payment - Thank You XX/XX/XXXX Payment - Thank You XX/XX/XXXX Payment - Thank You XX/XX/XXXX Payment - Thank You XX/XX/XXXX Payment - Thank You XX/XX/XXXX - {$35.00} - {$38.00} - {$39.00} - {$40.00} - {$2.00} - {$74.00} - {$80.00} I also have a photo of my Experian showing that the payment status of the account in XX/XX/XXXX as charged off with a balance of {$740.00}, credit limit of {$300.00} and a comment at the bottom in all caps saying CHARGE OFF Im sorry for sending so much information and I know that a lot of its just convoluted and not in exact order of everything theres just been so much information and I have so much documentation to prove this mishandling on my account that I just tried to add what I could and I can provide or mail documents if I need to, but the fact that XXXX received a package with all the documents I had regarding this and remove the account speak for itself. I greatly appreciate your help, please account and helping me in this nightmare regardless of what XXXX XXXX says because I know theyre going to lie to you most likely. XXXX willing to provide anything necessary to prove what Ive shown here and said. 

Thank you, XXXX XXXX XXXX