Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a checking account with XXXX XXXXXXXX XXXX XXXX 
Late last year I got a letter from a lawyer purporting to collect on a claim against a defendant with a name similar to mine that he bought from another collection lawyer going back nearly 20 years in which the original attorney had gotten a default judgment. I had never heard anything about this until I received that letter. My legal name is and has always been without variation one and the same. 

There is no record of any original documentation of the claim. The court destroyed all the documents and the only thing remaining is the default judgment against someone recorded as having a name similar to mine, which is as common as XXXX XXXX. A few months ago I got a copy of a garnishment order against XXXX to freeze my bank account. I showed the copy of the order to my branch location manager. She told me she would enforce it if she received it. Shocked, I withdrew my money and closed my account. 

I showed the order to prospective banks and quickly found a nearby credit union whose manager told me she would never enforce. I also promptly changed my Autopay sources for the XXXX XXXXXXXX XXXX XXXX I did this on or about XX/XX/XXXX. I have but am not attaching a copy of the latest received court documents that include a motion from XXXXXXXX XXXX XXXX XXXXXXXX lawyers to dismiss the proposed garnishment order and for attorneys fees against the plaintiffs attorney ( who by the way owns the plaintiff company ) dated XX/XX/XXXX. XXXX pretty certain that much of the information the credit bureau has purportedly referring to me was supplied by the collection attorney and has not been investigated or checked by anyone but himself. 

The dates of all files I reference here are the dates on which I saved the screenshots. Their metadata will confirm their dates. On XX/XX/XXXX there is a screenshot showing that my XXXX XXXX XXXX credit card Autopayment was returned by XXXX XXXX. I called and waded through the never ending computerized gatekeeper for nearly an hour and spoke with a XXXX customer care specialist. She confirmed I was locked out of my XXXX XXXX XXXX  Autopay but also saw my regular payment history on it and from her end manually restored a payment schedule according to the terms I had always met and exceeded. There are XXXX screenshots dated XX/XX/XXXX showing that as well. 

With the same date there is a screenshot showing that even after that payment schedule was set up, XXXX continued to carry the XXXX XXXX credit card as delinquent and the full amount payment as the only acceptable payment to them, completely ignoring what their agent had done. 

I add a XX/XX/XXXX screenshot showing that XXXX carried the balance on their website misleadingly stating that a purchase of {$100.00} was made on the XXXX XXXX card after they received and rejected the payment. The following screenshot dated XX/XX/XXXX shows their own site records that they returned a {$100.00} payment on XX/XX/XXXX. 

A XXXX screenshot shows confirmation from XXXX that they had transferred the agreed upon funds as allocated by the XXXX XXXX department representative while both the XXXX agent and an agent for XXXX were present on separate phone lines at the same time to complete the transaction. Another XXXX shot shows XXXX misleadingly carrying charges and payments on the XXXX XXXX card with no relation whatsoever to the actual payments received as of that date ( reducing the full amount previously stated of {$850.00} to {$550.00}, while they also carried my account on that card closed and denied me any access to it. 

XXXX more XX/XX/XXXX screenshots shows the regular payment history on the XXXX XXXX credit card all exceeding the minimum amounts due and the returned payment of {$40.00} on XX/XX/XXXX. 

Another XXXX screenshot shows a {$1.00} balance due on my XXXX XXXX card. The customer relations department told me that particular card was not closed, but only locked out until I made that minimum payment amount. They informed me that if I did so, the card would be reinstated, and then I could request the transfer or redemption of my significant earned Rewards points on the card. 

Another XXXX XXXX screenshots show the third Credit Card, XXXX XXXX, also misleadingly carrying balance manipulations having nothing to do with the actual balance or the amounts for which they had made their offered agreement to settle or any amounts received. 

XXXX XXXX XXXX then sent me XXXX separate Action Needed letters dated XX/XX/XXXX regarding the XXXX XXXX XXXX  and the XXXX XXXX, telling me they removed my AutoPay from those cards accounts with the explanation because your financial institution didnt honor your recent [ amount ] AutoPay payment. That financial institution was XXXX XXXXXXXX XXXX XXXXXXXX. itself, rejecting or returning the payments with the later explanation from the customer relations specialists that according to XXXX policy ( they were authorized to independently interpret ) I could not keep those credit cards if I did not maintain a XXXX checking account. 

XXXX XXXX XXXX also sent me XXXX Update letters dated XX/XX/XXXX regarding the XXXX XXXX and the XXXX XXXX XXXX cards telling me You completed your settlement agreement, but no such update notice on the XXXX XXXX XXXX They also sent me XXXX separate letters all dated XX/XX/XXXX, XXXX for each of the credit card accounts, all updating me on the terms of my settlement agreement none of which were negotiated or accepted by me. I specifically cited to the collections department that any agreement I was making with them was with reservation of all rights legally awarded to me under the Uniform Commercial Code and that I was not agreeing to any cram-down terms just because they were being read to me over the phone. 

Specifically, I do not agree that any unused rewards earned by me were automatically lost the moment I accepted XXXX settlement offer. XXXX  collections department interpreted their settlement as not being final until the final notice which they estimated as on or about XX/XX/XXXX or XXXX, but to call on XX/XX/XXXX to confirm, meanwhile my cards were legally valid and not closed until then and they could not see any reason I could not transfer or redeem my earned reward points ( a different interpretation of policy from the customer care specialists ). 

I provide all this information to flesh out what actually took place, how XXXX directly caused the damages upon me and to report my settlement to the credit bureaus without clarification is wildly misleading and even the result they intended to inflict. At the very least the credit bureaus should delete any such report or add information to make the report not misleading. 

I also have full annual statements and payments on all three credit card accounts going back to their initiation or XXXX on the XXXX older accounts and the excellent payment history on the XXXX XXXX account. Any credit bureau can confirm those histories.

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