Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX and Experian due to improper billing practices, misleading communications, and inaccurate credit reporting that have negatively impacted my credit score : this is not the first time I have encountered such issues with XXXX XXXX XXXX XXXX, and it appears that my credit is being misused due to ongoing reporting discrepancies. Failure to Provide Proper Billing Statements & False 30-Day Late Reports : I did not receive billing statements for XX/XX/XXXX and XX/XX/XXXX, either electronically or by mail ; despite informing XXXX XXXX XXXX XXXX XXXX this issue, they still reported my account as 30 days late for both XXXX and XX/XX/XXXX ; because they do not send statements electronically, I had no way of knowing my account was past due. Experians Mishandling of My Credit Dispute : I disputed the XXXX 30-day late with Experian, but they prohibit filing the same dispute more than once within a certain timeframe, which is preventing me from disputing the XXXX 30-day late reporting, even though it is a separate issue ; this restriction prevents me from properly correcting the damage to my credit report and unfairly limits my ability to address errors. Conflicting Reports Between American Experience Credit Review, XXXX XXXX, and Experian : XXXX XXXX XXXX XXXX  reported my account as paid off in full on XX/XX/XXXX, but I paid everything off on XX/XX/XXXX, including annual fees ; if my balance was XXXX in XXXX, it is impossible for a 30-day late payment to be reported for XXXXthis raises serious concerns about whether XXXX XXXX XXXX XXXX and Experian are deliberately misreporting my credit information. Repeated Pattern of Inaccurate Reporting & Failure to Investigate Since XXXX : A similar issue occurred in XXXX involving XXXX XXXX XXXX XXXX, and Experians investigative patterns were the samethey failed to properly investigate the reporting discrepancy, leaving inaccurate information on my credit report ; now, history is repeating itself with their refusal to allow me to dispute the XX/XX/XXXX 30-day late reporting simply because I had already disputed XXXX XXXXsince I had a {$0.00} balance after XX/XX/XXXX, there was no valid reason for any late payment to be reported. Misleading Email Communication & Excessive Solicitation : XXXX XXXX XXXX XXXX frequently sends promotional emails with subject lines like We Miss You, which do not indicate an overdue balance ; I have enclosed extensive screenshots showing that I receive numerous emails from them, yet none clearly notify me of an outstanding balance ; I am also bombarded with frequent phone calls, making this situation even more frustrating and stressful ; they never call from a consistent number, and at times, I have felt harassed when being asked about friends and family packages or upgrading my points package instead of addressing my billing concerns ; I have repeatedly requested to opt out of sales and promotional pitches, asking only to receive billing-related communications ; despite multiple requests since XXXX for different billing options, they still only send paper statements and do not make statements accessible online when I log in. Requested Actions : I am formally requesting that the 30-day late payments for both XXXX and XX/XX/XXXX be removed from my credit report, as they were inaccurately reported ; additionally, I request that the CFPB investigate the improper reporting practices of XXXX XXXX XXXX Vacations and Experian to ensure my credit report accurately reflects my payments ; require Experian to allow me to dispute the XX/XX/XXXX late payment, as their policy prohibiting multiple disputes within a timeframe is preventing me from correcting an error ; obtain billing records from XXXX XXXX XXXX XXXX to verify my payments and determine why incorrect late payments continue to be reported ; review Experians failure to thoroughly investigate my disputes, particularly given their pattern of neglect since XXXX ; and examine XXXXXXXX XXXX  misleading email and phone solicitation practices, which prioritize sales over proper account management. I have enclosed documentationincluding screenshots of my emails, proof of payments, and records of my prior disputes : this inaccurate reporting is causing undue harm, and I urge the CFPB to take immediate action to hold XXXX XXXX XXXX XXXX and Experian accountable.

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