Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Hello my name is XXXX XXXX XXXX, I just had a situation happen with XXXX XXXX  that has affected my credit score negatively by XXXX points due to basically just a normal accident. I would just like some help with the situation so Im writing you today because Im not actually sure what to do. Heres what happened : I had an emergency credit card with XXXX XXXX  that I never use it was for emergencies only. In XXXX, an XXXX charge for like {$29.00} got onto that card without my knowledge. I received no notifications from XXXX, no alerts, no phone call, no indication at all that there was a payment that needed to be made on that card. So it sat for almost two months unpaid. 

XXXX sent my card as late to the credit reporting bureaus. Which in turn dropped my credit by XXXX points. 
This prompted an alert on my Experian app which told me that there was a change in my credit report ( which is the first time I had was officially notified about any charge on that card ), and that was two days ago. 

Upon investigation I discovered the problem and immediately paid the {$160.00} in late fees to the card that XXXX had charged me without notifying me at all. 

I then reached out to XXXX to try to clear up the credit reporting situation but they said that they could not help me. 

I am a XXXX year old, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX veteran and I live in an RV with my dog in my moms driveway in Indiana. My goal for the last few years has been to save up {$25000.00} so that I can buy a house or at least put a down payment on something by this time next year. When Covid came I lost my job and everything went south. Those issues along with being XXXX, I have only managed to save about {$3000.00} this year and about XXXX so far in total. 

The problem is that none of that money is really going to matter because my credit score which had been in the high XXXX is now in the mid XXXX because of a {$29.00} charge to XXXX And a lack of communication from XXXX XXXX. It was admittedly my mistake overall, but I would never have let this happen on purpose, and if I had known, wouldve happily paid any charge that was due. Im not some crook. 

I am not married and I have no one to cosign a loan with so an XXXX point hit to my credit ... absolutely ruins my chances at getting a home loan next year. 

This has all been extremely upsetting for me and I feel like I can not get ahead. I live completely off of my XXXX benefits and its not enough to do anything real with. I try to do the right things all the time but then big institutions like this just come in and wipe my life away and dont even care ... its really a lot. 

Overall all Id like to see is my credit score reestablished so that I can get back on track to try to buy a home for me and my dog. 

Im a good person, I care about animals ( dogs mostly ), Ive never broken the law, Ive never even gotten a speeding ticket. I served in the XXXX for 8 years and I got blown up twice in XXXX and I had to XXXX XXXX XXXX XXXX  and it all eventually ruined my life. 

I havent been able to make it as a civilian and I have a really hard time with things ... and then stuff like this comes and it just really takes the wind out of me, so Im just really hoping that you guys can help me out. I know its a longshot, I dont know what can be done but I figured I would just ask for help anyway. 

Thank you for your time reading my letter XXXX XXXX XXXX