Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
I am XXXX XXXX XXXX retired XXXX senior citizen XXXX American Woman collecting XXXX XXXX XXXX. XX/XX/XXXX I set up XXXX to received my Payroll Direct Deposits. 
XXXX. XX/XX/XXXX I set up XXXX to receive my XXXX retirement Direct Deposits. 
XXXX. XXXX XXXX I opened a Chime Secure Credit Builder Card Account ( Secured Credit Account ). 
XXXX. XXXX XXXX up to XXXX XXXX a. All Transfers-Deposits to my to secured card was AUTOMATICALLY POSTED AS Payments to my Secured Credit Account, and b. During this same time period I had scheduled Move My Pay 50 % of Checking Account Deposits Automatically Transferred as Payments into my Secured Credit 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. 
XXXX. I operated business as usual until I noticed my XXXX XXXX was decreasing by XXXX Pt drops across XXXX credit bureaus. 
XXXX. XX/XX/XXXX I contacted Chime why was my account showing 30-59 days late payments, and I had made deposits into secure account 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. 
XXXX. After closer review I noticed my XX/XX/XXXX Statement stated Automatic payments are disabled. 
XXXX. Chime DISABLED Automatic Payments to my Secured Credit Account without my knowledge or approval. 
XXXX. I reached out several time to Chime why did they Disable Automatic payments to my Secured Credit Account and I never received a clear answer. 
XXXX. XXXX I called again and XXXX XXXX informed me I needed to Enable Payments to pay off balances for XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX. 
XXXX. 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 ) XXXX. 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} zero no payments for XX/XX/XXXX this continues to hold my account delinquent now XXXX days due and decreasing my credit score due to Chime disabling my automatic payments made to my Secure Card for XX/XX/XXXX and XX/XX/XXXX and ruining my credit score. I use to have XXXX XXXX among XXXX credit bureaus now I am down XXXX and I lost opportunity to buy my retirement home. 
XXXX. It is reported I made timely payments with good standing to all open credit accounts within all XXXX credit bureaus. 
XXXX. I have filed disputes with all three credit agencies and each informs me XXXX has not responded. 
XXXX. Chime 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 secured credit Card. 
XXXX. XXXX It also appears XXXX  disabled my auto payments to my Secure Card after I utilized the XXXX loan in XX/XX/XXXX option which Should Have Not legally have had any effect with my Secured Card transactions within their system seeing that the MyPay Loan limits is based on deposits to my Checking account and should not affect payments to my separate Secured Credit Account. This is fraudulent banking practices and deceptive trade and has caused great harm to my financial character. These are different accounts. 
XXXX. All statements are attached show Payments to Account XXXX in Months of XXXX XXXX XXXX, and Re Enabled after I had to manually perform after Chime rep told me they Chime had XXXX my payments this task when it use to be automatic for over a years time since opening Secured Credit Card Account. 

As of XX/XX/XXXX XXXX. Monthly Statements Credit Builder card for XXXX, XXXX and XXXX has been changed to state Payments Enabled when prior statements for these months report : Payments Disabled., and XXXX. Payments/Credits still are reported XXXX XXXX, therefore incorrect payment history to XXXX credit bureaus are still in error for my actual payment history for XXXX, XXXX and XXXX and is wrongfully causing my score to continue to drop, and still hindering my credit file character to my creditors and is continuing to cause me financial ruin at fault of my own, but due to continued errors caused by Chime/ Stride BanXXXX XXXX XXXX XXXX XXXX XXXXy reporting.

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