Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not know the law, nor my consumer rights in this case-so I am just " presenting the facts '' and reaching out for help. 

In early XXXX, I made a late payment on the account in question. As a result, I was charged a late fee of {$25.00} and {$3.00} interest. The sum of these XXXX charges is {$28.00}. 
I called a customer service representative for this account and asked-as it was my first late payment-to have the charges reversed. Having charges reversed for a rare late fee is something virtually every other company I have ever worked with does as a matter of common business practice. 
The representative refused. I told them that I did not want to have any further business association with a company that had such harsh and unforgiving business practice, told them that I considered these charges to be disputed-and cancelled my account in XXXX, XXXX That was almost 7 years ago. To repeat-this all concerns an account that has been closed for almost 7 years. 
Starting in XXXX, XXXX ( 3 months later ) the credit card company reported the disputed late fee and interest as expected. They did this for 6 months ( XXXX XXXX, XXXX ). 
Then things become strange, unclear, and abusive. 
Starting in XXXX, XXXX, and for the next 7 months ( til XX/XX/XXXX ), the credit card company Charged Off this account. Over and over again. 7 times. I do not know the amount they were charging off-but they were clearly, abusively charging off just enough so they could keep my credit in bad standing-but not enough to cover the entire disputed amount ( {$28.00} ). 
Then, for over 4 years, the credit card company did absolutely nothing with this account at all. From XX/XX/XXXX, to XX/XX/XXXX the account sat. The Experian Credit Report shows all these months as XXXX ( XXXX XXXX ). 
Then, abusively, and for no apparent reason-starting in XXXX of XXXX, the credit card company began-once again-this bizarre practice of over-and-over again-each month, charging off some unknown amount-again-for the express reason of hurting my credit, but always leaving some amount left-so they could have an amount to XXXX ) report, XXXX ) charge off and XXXX ) add interest to. 
A credit report shows the present status of this to be, Account charged off, {$160.00} written off, {$160.00} past due as of XX/XX/XXXX. 
XXXX did they write off the {$160.00}, but still show me as owing this ridiculous amount ( for a {$28.00} disputed charge? 
When does this abusive charging off, and negative credit reporting end? 
Lets all be clear here. A late fee and an interest charge are neither goods nor services that I obtained-they are additional fees that the credit card company arbitrarily added to my account almost 7 years ago, and also arbitrarily refused to reverse. 
I wish to point out, in closing, that I have XXXX open accounts-some dating back over 20 years-all XXXX of which show an EXCEPTIONAL payment history, and all XXXX of which show a status of OPEN/NEVER LATE. 
Additionally, my credit history shows XXXX closed accounts-ALL of which XXXX ) show an EXCEPTIONAL payment history and ALL of which show as PAID, CLOSED, NEVER LATE Point being-I am an excellent consumer and have, for decades, taken all my payment obligations seriously. 
I have suffered a significant loss of FICO score in my credit report because of this credit card company 's bizarre and abusive practice of XXXX ) never once putting this disputed charge up for collection and XXXX ) their odd method of charging off enough to hurt my credit-but never enough to cover the initial {$28.00} that began this ordeal 7 years ago. 
I sincerely hope that someone can come to my assistance and stop this strange and abusive nightmare concerning XXXX garbage fees amounting to less than {$30.00} that began almost 7 years ago.

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