Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I contacted credit fresh at the end of XXXX to set up a settlement agreement. I got yelled at, and had to file a complaint against them, so at the beginning of the year I got in touch with a manager who helped me set up a settlement Payment plan. I paid every payment on time. At some point, the manager I was dealing with, XXXX, stopped responding and someone named XXXX XXXX, starts responding in email. He never once called me like XXXX would. He wanted me to start paying more, I explained to him that Im about to go on an unpaid XXXX XXXX and Im willing to continue with the settlement payment I was already paying but need to keep the payment the same right now. He kept going back and forth on email, and it was starting to become confusing because he initially said no, then he offered a new settlement offer. He told me he would only offer that settlement if I gave up my banking information. Mind you, Ive been paying the previous settlement manually, and on time. I told him I wasnt comfortable giving over my bank account information because I had literally just had to open an entirely new account because my other one had become compromised from a data breach. I asked if I can give a debit card, but I didnt understand why it was necessary to keep my account info on file when I hadnt missed a settlement payment yet. I told him collections was also calling me and to please relay to them that we are discussing payment plans. He told me they wont stop calling until I provide my bank info. I asked if I can do it through a secure portal, because I work from early morning to late at night. Its hard to step away and get on the phone and I wasnt comfortable discussing that with collections when I was discussing payment agreements with a supervisor, and I questioned this as well, why he was making me speak to them if him and I were discussing it? I also asked if I could just make manual payments for now? Because the first payment was going to be setup for XX/XX/XXXX. I then became XXXX  and I was out for a few days. I told him I was XXXX, XXXX XXXX XXXX XXXX, and I told him couldnt speak right now. Within 2 days credit fresh reported my account as delinquent, and they didnt even report it accurately because I had been in active settlement since the beginning of XXXX. So they intentionally damaged my credit report, but XXXX XXXX never ONCE called me to discuss options, didnt give me a direct line to call him. So now, I dont care. XXXX not entering into settlement if they are going to purposely damage my XXXX XXXX even after Ive been paying them. I also asked for this settlement agreement in writing ( which was provided previously when I entered into settlement with them ) and he didnt provide that same breakout and told me that it would only be provided once I give my banking information.

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