Consumer complaint received 2024-05-26 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: MD

Complaint narrative:
I have always made a point of paying off my credit card bills on time if not in advance during my XXXX years. On XX/XX/XXXX, I purchased a bus ticket online from XXXX XXXX XXXX XXXX XXXX XXXX for {$170.00} from XXXX, which also operates as XXXX. On XX/XX/XXXX, my credit card was billed just shy of {$210.00} for a second bus ticket to to XXXX after the company provided confusing directions about the original bus pick up point, which had no signs and even locals new nothing about. Regardless, I still managed to get on the bus I would have taken to XXXX in the first place at a later pickup point. When I disputed the matter to XXXX, XXXX decided without checking with me that XXXX was justified in double billing me for the second bus ticket as well as the first bus ticket, even though both tickets were for the same bus trip on the same bust to the same place at the same time- which was only XXXX occupied. Since I could not cut myself in XXXX and use both tickets simultaneously, I subsequently tried to contact XXXX but found no way to do that - no phone numbers, no addresses, no nothing other than an overseas call center without authority to address consumer complaints. I then requested XXXX contact information from XXXX so that I could resolve my dispute directly but XXXX refused to provide me any information for the company. Since XXXX appeared to be aiding and abetting XXXX, and because it was unconscionable for XXXX XXXX to charge a retiree on a limited income ( or anyone, for that matter ) twice for the very same item, I filed a small claims court case in an effort to resolve the matter, with a final trial date scheduled ( after an initial court hearing ) in Circuit Court set to be heard XX/XX/XXXX. In accordance with official government guidelines, I did not pay the {$40.00} late fees that XXXX began charging to my account over the dispute, believing that disputed charges could be withheld until the dispute itself was resolved. Before our scheduled hearing took place, XXXX removed the {$40.00} late fees it had been charging me, followed by a renewed offer to settle, which I accepted.. Between The {$200.00} XXXX offered to pay me to resolve the matter, and my agreement to pay the balance of the debt owed from the XXXX identical bus ticket purchases, the entire double billing - amounting to nearly {$400.00} - was fully and quickly paid off. Prior to our settlement- and what triggered it - XXXX attorney XXXX XXXX assured me that if I agreed to settle the matter, my credit would not be impaired in any way. Despite these reiterated assurances by XXXX, XXXX cancelled my credit card and refused to issue me a replacement card despite its initial promises to do so. In addition, XXXX notified the various credit reporting agencies that I was delinquent in my payments ( including the XXXX XXXX  monthly fees it had been tacking on to my original bill that ultimately XXXX removed ). When I applied for a new card with my bank of many years ( XXXX & XXXX ), I was turned down pointedly because of Chases false report about my alleged delinquency, which, in any case, was a disputed item that by law required a fee waiver until the actual dispute was fully resolved. In addition, my other credit card company dramatically lowered my credit limit to just {$1500.00} as a direct result of XXXX double dealing misrepresentation. By lying to me about not ruining my credit ( even though my share of the charge was promptly paid off ), XXXX acted maliciously and meanspiritedly to destroy my credit, dramatically compounding my ability to make routine purchases at my local grocery and elsewhere and requiring me to carry out many purchases in cash rather than credit. When I repeatedly attempted to contact higher ups at XXXX to straighten out what seemed like a minor, easily resolvable problem, my calls were brushed off and never returned. This is a classic case of a too big to fail bank whose executives pay themselves millions in salaries arrogantly crushing the very taxpayers who enabled it to survive and thrive simply because I had the audacity to question an unscrupulous XXXX merchant that wantonly engages in price gouging, knowing that XXXX will always have its back instead of the everyday customers that XXXX purports to serve. I am not interested in monetary damages from XXXX at this point, though the is clearly what I deserve. I simply want my good credit restored ASAP so that I can get on with my life unimpeded.

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