Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
Subject : Dispute Regarding Improper Reporting and Denial of Payment on XXXX Account Dear Consumer Financial Protection Bureau, I am writing to file a dispute regarding my XXXX XXXX ( XXXX ) account due to their improper handling of my payments and reporting to credit bureaus, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, my XXXX account fell behind with a couple of late payments. Starting in XX/XX/XXXX, I made numerous attempts to bring the account current and pay the overdue balance in full. However, XXXX consistently refused to accept my payments or provide me with any information about my account. They claimed that the account was not under my authority to address and alleged that a third-party entity, XXXX XXXX, held power of attorney over the account and needed to release it for me to make payments. 

This claim is false. XXXX XXXX never had power of attorney over my account, nor did I authorize such an arrangement. ( Ive included the forms which a consumer has to fill out for that to ver even be the case and ive never filled those forms or submitted them to XXXX. This is account is fraudulent due to these remarks. 

Granting power of attorney requires the submission of specific forms, which I never completed. From XX/XX/XXXX to XX/XX/XXXX, despite repeated efforts, I was denied the opportunity to make payments on my account. This refusal caused additional late payments to accrue, negatively impacting my credit report. XXXX ultimately charged off the account, adding misrepresented balances and interest that should not have been applied. 

In XX/XX/XXXX, I obtained documentation from XXXX XXXX confirming that they did not and never had power of attorney over my account. I submitted this proof to the CFPB, which led to XXXX acknowledging, after several months of refusal, that I could now make payments on the charged-off account. 

XXXX conduct is a clear violation of my rights under the FCRA and other consumer protection laws. Their refusal to accept payments from XX/XX/XXXX to XX/XX/XXXX, despite my ongoing efforts, resulted in unwarranted negative reporting to credit bureaus, including late payments, a charge-off, and additional fees. 

To support my claims, I have enclosed : XXXX. Phone records documenting my repeated attempts to contact XXXX during the dispute period. 
XXXX. Emails from XXXX XXXX confirming that they never had power of attorney over my account. 
XXXX. Prior narrative correspondence submitted to the CFPB, which XXXX previously denied. 

I respectfully request the complete removal of all negative reporting associated with this account from my credit reports. XXXX refusal to accept payments directly caused these inaccuracies, and I believe the account should be fully removed from the credit bureaus due to their mishandling of the situation. 

Thank you for your assistance in resolving this matter. 

Sincerely,

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