Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I opened a XXXXXXXX XXXX XXXX in XXXX for about {$1500.00} and for almost XXXX  years I had been making my payments on time without issue. I eventually was awarded a credit limit up to XXXX XXXXXXXX due to my history with consistent payment on time. In late XXXX of XXXX I discovered a fraudulent charge onto my account and reported it. XXXX opened an investigation and told me to use the card and removed the amount of said charge while the investigation was active. 

The investigation had been awhile but I was contacted in late XXXX into XXXX about the results via mail. XXXX closed the investigation and had decided that I was responsible for the charge. Not only did they put that charge back onto my account but they also added interest. A fraudulent charge of about XXXX XXXX {$300.00} dollars had become almost {$1500.00}. I contacted XXXX countless times after that to explain the situation. They told me that paying my card meant I agreed/complied with all charges and that was told to me after they told me to use the card like normal at the beginning of the investigation and pay. I had gotten these investigation results after I had already made my last payment to the card for what I actually owed ( for the amount I used during the investigation ) which was XX/XX/XXXX. After that, based on their logic, because I did not agree with the investigation results or the fraudulent charge I stopped paying. I did not think it was ethical or fair to hold me responsible for a breach of my card then charge me the insane interest and every time I called after that I explained what I had been told. 

I still continued to contact them for a fair resolution but after the first missed payment the conversation would only lead to trying to convince me to pay the bill they inflicted onto the account. Eventually, they closed the XXXX XX/XX/XXXX but the amount due had accrued interest beyond the credit limit of $ XXXX because the amount on my credit score is {$8900.00}. What's also a problem is at the time of my last payment back in XX/XX/XXXX my credit limit was {$6000.00} but on my credit score from XXXX XXXX it says it was {$7900.00}. Despite not paying they increased the credit limit to tack on more interest. 

It has recently " been updated '' on my credit report a few times but my credit took a dive in XX/XX/XXXX when the amount on that account was applied to my overall score ( the credit usage was applied to my score for this old account ). I have tried multiple times to correct this issue through credit karma and experian to dispute this inaccuracy on my credit score and the information was updated but the affect this account has had on my credit score has not changed.

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