Consumer complaint received 2024-11-08 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: PA

Complaint narrative:
This is in reference to XXXX XXXX. This account still reports inaccurately on my credit report. In the midst of the challenging XXXX pandemic, I found myself on XXXX, undergoing dialysis, and facing reduced household income. I reached out to XXXX, seeking a hardship plan for my credit card. They offered a solution : close the account and repay the balance in monthly installments. As long as I made timely payments, my credit wouldn't suffer, though a late fee would apply for any missed due dates. I missed XXXX due date in XXXX leading to a {$75.00} fee but I paid it in XXXX weeks, avoiding a 30 day lateness. It was due on XX/XX/XXXX, I made the payment on XX/XX/XXXX. I made XXXX payments on this date, I will clarify later in this dispute. 

Despite diligently adhering to the agreement and making every payment, my credit report told a different story. It falsely indicated missed payments, leading to late fees and a damaging charge-off status. Unaware of this discrepancy until XX/XX/XXXX, I was shocked and dismayed. In a state of panic, I repaid the debt in full, fearing further repercussions. 

Upon closer examination of my credit report, the inaccuracies were glaring. It showed no scheduled payments throughout the year, except for a single {$45.00} scheduled payment in XX/XX/XXXX, which was actually the final {$53.00} payment I made to fulfill the agreement. The report also wrongly stated a consistent balance of {$250.00}, despite the balance decreasing with each payment. 

My monthly due date was the XXXX. I paid {$35.00} in XX/XX/XXXX. In XXXX I paid {$25.00} after the due date causing a {$75.00} late fee. I paid it on XX/XX/XXXX, XXXX weeks later avoiding a 30 day lateness. On that same date I paid another {$25.00} for XXXX upcoming payment. In XXXX I paid {$50.00}. In XXXX I paid {$65.00}. In XXXX I paid {$72.00}. Finally in XXXX I paid {$53.00}, the final and last payment. I paid {$320.00} in total on the {$250.00} balance + {$75.00} late fee, satisfying this debt. 

I have meticulously documented every payment, with bank statements serving as irrefutable proof. Yet, XXXX 's reporting remains erroneous, casting a shadow over my financial well-being. This ordeal has led to unjustified credit denials, higher interest rates on approved loans, and immense stress for my family. 

I've reached out to XXXX repeatedly, hoping they would rectify this mistake. However, they have failed to take accountability, leaving me to bear the burden of their error. This situation is not only unjust but also a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I urge you to carefully review the attached evidence and correct this grave injustice. Removing the inaccurate XXXX account from my credit report is not only the right thing to do but also a necessary step in restoring my financial standing and peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX

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