Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Company reported " Fair '' credit rating to XXXX ( score XXXX ) and XXXX reduced my credit limit from {$25000.00} to {$500.00}. Company advised them I was " delinquent '' on FOUR credit cards when in fact, that is not true because I've NEVER been delinquent with XXXX Card which I use for everything. In XXXX I overpaid by {$2000.00} and carried a " credit '' until that was used up- which was this month since the new statement says I have a balance of about {$420.00}. The applied {$500.00} limit makes it impossible to use that card for all of my purchases which is what I do and have been doing for at least a decade. I have a second credit card with XXXX XXXX XXXX XXXX that I use when I forget my XXXX XXXX or can't find it quickly in my tote bag. My " credit reports '' have consistently been in the Very Good to Excellent category - last month it was listed at XXXX I believe. Every year I get a {$350.00} - {$500.00} " rebate '' on XXXX purchases which are at least {$2000.00} per month and often much more. EVERY monthly bill is paid ON TIME and IN FULL. XXXX looked up my history and agreed with me but insisted they reduced my credit limit based on information provided by Esperian which says my XXXX  SCORE is XXXX and not high enough ( SUDDENLY!!! ) for my decade long {$25000.00} limit. It further has me listed as " XXXX XXXX  '' when I have been retired since XXXX ( as was my husband of XXXX years ). It has my correct address and an additional addres that is incorrect : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX when the address has been XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX for about 35 years. It includes my previous address ( from XXXX - XX/XX/XXXX ). This report was " generated on XX/XX/XXXX, XXXXShows an 'EXCEPTIONAL PAYMENT HISTORY '' with XXXX - Open status/NEVER LATE but on XXXX XXXX they reduced my credit limit to {$500.00}. Payment history is included for XXXX and shows no delinquencies. Shows " 1 late payment '' of {$16.00} to XXXX with a CURRENT XXXX BALANCE. Turns out this was a XXXX bill I was not aware of but when I got one in the mail - for {$16.00} - I paid it and late fees immediately. I opened an account with XXXX XXXX to take advantage of a " sale '' on XX/XX/XXXX and NEVER USED THE CARD. I missed the sale. Account name is listed as XXXX. It shows a XXXX BALANCE. My XXXX XXXX XXXX account was opened XX/XX/XXXX and reflects status as " OPEN/NEVER LATE. My credit limit is {$11000.00} with a XXXX balance ( Highest balance ever was {$4400.00} ) XXXX  requires confirmation from Experian that I do NOT have four accounts open and delinquent. I CAN'T REACH EXPERIAN BY PHONE OR BY EMAIL -- after trying for 3 hours today, I've finally given up. I need someone to COMMUNICATE with me and get this straightened out IMMEDIATELY. PLEASE!!! PLEASE!!! I'm XXXX XXXX XXXX, XXXX and computer/technologically " challenged ''. I was {$16.00} late paying the bill for XXXX- but when I got a regular mail from them, I paid that amount immediately AND the late fees. I am not now, or ever, been " severely delinquent '' and/or " delinquent '' on any of my credit cards over the last XXXX or so years!!! EVERYTHING goes on my XXXX including " automatic '' payments and if this credit limit stands, a number of things normally paid automatically WILL NOT BE PAID. Efforts to reach Experian so I can provide XXXX with my history ( which they can readily by pulling up my account!! ) have wasted many hours without a connection to anyone and/or a chat line for their help.