Consumer complaint received 2024-11-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXE XXXX To Whom It May Concern, I am writing to respectfully request the removal of a late payment report on my credit file from XXXX XXXX XXXX, which occurred in XX/XX/XXXX. Due to extraordinary and unforeseen circumstances, I was unable to make the payment on time, and I am asking for your understanding and consideration. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making it even more difficult to manage my finances. 

In XX/XX/XXXX, I received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and made financial management incredibly difficult. 

On XX/XX/XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unable to manage my financial obligations or set up an autopay arrangement. This single missed payment occurred while I was unconscious and unable to make arrangements to avoid it. 

Additionally, my condition was further complicated by the ongoing XXXXXXXX XXXX, which the federal government recognized as a national emergency. The XXXX XXXX XXXX ( XXXX ) declaration, which remained in effect until XX/XX/XXXX, provided certain protections and relief measures, but also significantly hindered my ability to meet my financial obligations in a timely manner. 

Please note that since opening my XXXX account, I have consistently paid my full balance on time and never missed a payment. This is the only late payment on my record, and it was solely due to these unprecedented XXXX XXXX. This negative mark has been a barrier for me in securing personal loans as I work to rebuild my financial XXXX XXXX XXXX. 

I have provided documentation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I will submit once finalized through XXXX. 

Given the above, I kindly request that XXXX XXXX XXXX consider removing this late payment from my credit report as a goodwill adjustment. This gesture would support me immensely as I strive to restore my financial health and continue managing my obligations. 

If you require further documentation of XXXX XXXX XXXX XXXX or the details of my situation, I have uploaded and attached them to this email. 

Thank you very much for your time, understanding, and consideration. I look forward to a favorable response. 

Sincerely, XXXX XXXX XXXX XXXX Credit Card Account # : XXXX XXXX XXXX XXXX XXXX : XXXX

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