Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
XXXX was charging me {$1.00} every month from XX/XX/XXXX to present which appeared on my credit bureau. {$1.00} My account was closed on XX/XX/XXXX, as per the email I have. 
The agent I spoke to yesterday claimed that there was a preauthorized charge from XXXX that came in whether or not during the closing. It was not there during the closing. XXXX own up to your mistakes because the account closing processing was done by you, and if there was a {$7.00} that came in after closing, it should have been debited from my account which had about {$45000.00} in it or obtain authorization for that. There is no sought of communication about this. 
But magically after a year in XX/XX/XXXX, you turned around and reopen my account and start reporting a {$1.00} late payment to the credit bureau. 
When the account was closing the {$7.00} was not on it. Why would an account be paid off on XX/XX/XXXX and leave behind {$7.00}, does that make sense or even logical. 
If an account was closed that by XXXX, and there was indeed a $ XXXXbalance the person that read the disclosure to me before closing it did not know that? 
The credit bureaus, XXXX, XXXX, Experion-Reports all payments paid until XX/XX/XXXX then late payments till XX/XX/XXXX Does that even make sense? 
Then the credit bureau reports that my account was closed again on XX/XX/XXXX. 
So what happened XXXX is trying to play bait and switch? Because they do not want to own up to their error for a simple {$7.00} and {$1.00} interest charges How is an account closed in XX/XX/XXXX ends up being closed in XX/XX/XXXX and states that as per customer request. 
Did myself and XXXX have any conversation about closing an account in XX/XX/XXXX? 
What amazes me is that XXXX will constantly blow off my email with visa preapproval but failed to notify me on {$1.00} that they claim I owe, due to their own error. 
If I remember correctly the was money sitting in my XXXX  account and when I was closing it in XXXX I asked the agent to credit it to my credit card and she stated she could not see it as it does not show on my profile, in XXXX. 
And she said she couldn't transfer it to my XXXX  account in XXXX either. So yes XXXX does owe me about {$2.00} too. 
So now looking at the screenshots that I inserted if I owed you from XX/XX/XXXX, why wasn't a late payment reported, till XX/XX/XXXX? Even though I was not aware of this till now but somehow in XX/XX/XXXX late payments started being reported. 
The reason for my call was as follows : XXXX ) To fix that error you made on my credit bureau that I had a late payment for {$1.00} from XX/XX/XXXX to XX/XX/XXXX XXXX ) Requesting for my account statement from XX/XX/XXXX to XX/XX/XXXX to forward to authorities to resolve this issue of intentionally damaging my credit for {$1.00} I need the statements to be emailed to me XXXX ) Stop sending me credit card preapprovals in my emails, is getting annoying XXXX ) Where can I send the {$7.00} funds that you claim XXXX  Charged me after my account was closed because XXXX was charging my other card I feel like next time your agents or whosoever in this department should do better in investigating and be more detail oriented before reporting a {$1.00} late payment to a credit bureaus.

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