Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally report a serious issue involving fraudulent charges on my XXXX XXXX Bank credit card account, which has negatively affected my credit score despite my attempts to resolve the matter through proper channels. 

In XX/XX/XXXX, I received an email notification stating that I owed approximately {$14.00} on my XXXX XXXX XXXX account. This amount gradually increased over the following months and reached nearly {$70.00} by XX/XX/XXXX, at which point the account was reported as delinquent. 

I immediately contacted XXXX Customer Service to verify the charges. Upon review, I discovered that my last valid purchase using that card was in XX/XX/XXXX, and my XXXX XXXX membership had also been canceled around that time. I had not used the card since XX/XX/XXXX, and I had no knowledge of any recurring charges or subscriptions. 

In XX/XX/XXXX, concerned by the delinquency, I called XXXX XXXX. I was shocked to learn there were ongoing charges on the account. When I inquired further, the representative informed me that the charges stemmed from an unknown recurring {$14.00} subscription. I disputed these charges immediately, explained that I had not authorized any further use of the card, and flagged the activity as potential fraud. During the same call, I requested the account be closed, which XXXX XXXX  confirmed was completed. 

I assumed the issue had been resolved. However, in XX/XX/XXXX, I received another email claiming I still owed a balance, despite the account being closed. I again contacted XXXX XXXX Bank and confirmed with their customer service that yes, the account was indeed closed and no further action was required. 

Then, in XX/XX/XXXX, I was alarmed to discover that my credit score had dropped from over XXXX to XXXX. As someone who has always paid my bills on time and never had any delinquent accounts, I was deeply concerned. I again contacted XXXX XXXX XXXX  and was frustrated to learn that the {$14.00} charge had somehow increased to over {$250.00} and had been sent to collections. This was completely unacceptableespecially considering the account was closed, and I had been assured the matter would be handled as a fraud case months earlier. 

The representative I spoke with once again transferred the case to the fraud department, but no meaningful action was taken. Despite multiple follow-ups, there was no resolution, and my credit continued to suffer. 

Feeling helpless and frustrated, I reached out to Equifax to dispute the account. To my shock, I was informed that I would need to pay {$370.00} to process the dispute and have it cleareddespite this situation not being my fault in any way. The Equifax representative also mentioned that there were discrepancies in the reporting dates from XXXX XXXX XXXX  and that they would file the dispute for review. 

This entire situation is not only deeply unfair, but it also appears to be predatory and negligent. A {$14.00} chargepossibly the result of an internal billing error or unauthorized subscriptionhas escalated into a collection account that has significantly damaged my credit history. I have made every effort to resolve this through XXXX XXXX XXXX  and Equifax, but I continue to face roadblocks and financial penalties for something I did not authorize or use. 

This issue has caused unnecessary emotional distress and financial damage. I ask that you treat this matter with the urgency and seriousness it deserves.

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