Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
I am XXXX XXXX XXXX retired US senior citizen XXXX XXXX Woman collecting XXXX retirement XXXX. XX/XX/XXXX I set up XXXX to received my Payroll Direct Deposits. 
2. XX/XX/XXXX I set up XXXX to receive my XXXX retirement Direct Deposits. 
3. XXXX XXXX I opened a XXXX XXXX XXXX XXXX XXXX Account ( XXXX XXXX Account ). 
4. XXXX XXXX up to XXXX XXXX a. All Transfers-Deposits to my to XXXX XXXX was AUTOMATICALLY POSTED AS Payments to my XXXX XXXX Account, and b. During this same time period I had scheduled Move My Pay XXXX XXXX of Checking Account Deposits Automatically Transferred as Payments into my XXXX XXXX Account XXXX. XX/XX/XXXX I accepted XXXX XXXX XXXX offer that popped up in my mobile App. XXXX  would offer a loan amount based on my Direct deposit values. 
6. I operated business as usual until I noticed my credit score was decreasing by XXXX XXXX drops across 3 credit bureaus. 
7. XX/XX/XXXX I contacted XXXX why was my account showing XXXX days late payments, and I had made deposits into XXXX XXXX as I always had from the beginning of my account. They kept telling me the statements were correct. I did not understand what in the world was going on especially since I was in the process of a home loan and I made monthly payments to all my creditors. 
8. After closer review I noticed my XX/XX/XXXX Statement stated Automatic payments are disabled. 
9. XXXX  DISABLED Automatic Payments to my XXXX XXXX Account without my knowledge or approval. 
10. I reached out several time to XXXX  why did they Disable Automatic payments to my XXXX XXXX  Account and I never received a clear answer. 
XXXX. XXXX I called again and XXXX rep. informed me I needed to Enable Payments to pay off balances for XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX. 
12. After search through the XXXX XXXX ( this was not available on XXXX website. They had changed the entire format of what services could be accessed online ) 13. Even after Enabling payments tab and paid off {$750.00} balance they said I owed and was posted on XXXX statement, but XXXX did not post payments as received towards {$360.00} for XX/XX/XXXX ; {$600.00} for XX/XX/XXXX as a result my account still shows I had {$0.00} XXXX no payments for XX/XX/XXXX this continues to hold my account delinquent now XXXX days due and decreasing my credit score due to XXXX disabling my automatic payments made to my XXXX XXXX  for XX/XX/XXXX and XX/XX/XXXX and ruining my credit score. I use to have XXXX XXXX among 3 credit bureaus now I am down XXXX and I lost opportunity to buy my retirement home. 
14. It is reported I made timely payments with good standing to all open credit accounts within all 3 credit bureaus. 
15. I have filed disputes with all three credit agencies and each informs me XXXX has not responded. 
16. XXXX needs to correctly post payments made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX when they took it upon themselves to disable my payments made monthly into my XXXX XXXX XXXX 
17. XXXX It also appears XXXX disabled my XXXX payments to my XXXX XXXX after I utilized the XXXX XXXX in XX/XX/XXXX option which Should Have Not legally have had any effect with my XXXX XXXX transactions within their system seeing that the XXXX XXXX limits is based on deposits to my Checking account and should not affect payments to my separate XXXX XXXX XXXX. This is fraudulent banking practices and deceptive trade and has caused great harm to my financial character. These are different accounts. 
18. All statements are attached show Payments to Account Disabled in Months of XXXX XXXX XXXX, and Re Enabled after I had to manually perform after XXXX rep told me they XXXX had disabled my payments this task when it use to be automatic for over a years time since opening XXXX XXXX XXXX Account.

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