Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX  Attn : Supervisor, Card Services XXXX Subject : Urgent Correction Required on Credit Reporting and Account Status Dear Supervisor, I am writing regarding significant inaccuracies related to the servicing of my XXXX business credit card account, now managed by your company, XXXX XXXX. 

Firstly, my XXXX credit card was established explicitly as a business account. Per the XXXX User Agreement, it should not be reported to my personal credit profile unless my account becomes delinquent. My account has always been current, and I have never made a late payment. 

Despite this, your company has incorrectly begun reporting the balance and payment history of this business account to my personal credit profile. Additionally, approximately XXXX month ago, your company inaccurately reported this account to Experian as " closed, '' showing a remaining balance exceeding {$8000.00}. This account is active and was neither closed by XXXX nor by me. 

Today, another serious error occurred. Upon accessing the online payment portal to make my scheduled payment, your system incorrectly displayed, " Payment Due Today : {$0.00}. '' Recognizing this error, I immediately contacted your customer service representative, who confirmed a payment of {$290.00} was indeed due today. Had I not proactively contacted your representative, this discrepancy would have resulted in a late payment. I have documented screenshots confirming both the incorrect " {$0.00} due '' notice and my immediate {$290.00} payment, along with a full audio recording of todays conversation with your representative. 

During our call, your representative initially claimed that I authorized personal credit reporting at account setup. Upon clarifying the terms outlined in the XXXX User Agreementthat personal credit reporting would occur only if the account became delinquentyour representative confirmed the account was never delinquent, agreed with my understanding, and advised escalating this matter directly to your attention. 

In summary, please immediately address the following : XXXX. Account Status : Please remove this account and it's inaccurate " closed '' status on my Experian personal credit report. Place this account on my business credit report, which has never been done. This account remains open and active. 

XXXX. Erroneous Payment Notification : Investigate and rectify the system error incorrectly stating a XXXX-dollar payment was due today, which nearly caused a late payment scenario. 

XXXX Credit Reporting : Cease all reporting of this business credit account to my personal credit profile and ensure accurate reporting exclusively to my business credit profile under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, as stipulated in the original XXXX User Agreement.

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