Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I am wanting to go after XXXX XXXX XXXX and experian to remove two items off my credit report and they are not willing to correspond back to me. I have sent multiple documents which I have attached over the last year and a half to them. Theyre all dated and they were all sent out no correspondence back to me to get this resolved. 

Heres a little bit of the backstory on both of the items that are impacting my credit negatively I XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. 
Its been a year and a half of dealing with your company. Let me start with i am very literate in the financial world and I have a father-in-law that has millions of dollars in your bank. He told me to open a business account with you guys so we could do our business with your company. So I opened an account in XX/XX/year>. I went to the branch located at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX My husband and I were there for two hours. XXXX XXXX that worked with us seemed very new. He really didnt know what he was doing. We also applied for a XXXX  credit card. He help me set up online banking on XXXX computer and set up auto pay with my XXXX account because I was having XXXX and didnt know what the outcome would be. I told him I needed to set up auto debit and he said OK and he started typing the information on the computer but then he was like let me see if were allowed and reached out to somebodys office and the guy in the office said yes she hast to fill out a form. I filled out that form and signed it. Then he turned the computer and help me fill out the direct debit. I could not do it on my phone that day. My phone was dead because the guy took forever and I only had a little bit of charge and we were there for two hours. my Phone died while we were there so he was doing it all online for me. He confirmed that everything was set up. That direct debit was set up. I provided to him our XXXX account because we hadnt transferred any of our business funds into your XXXX account. I left at the bank, thinking that online banking and auto pay was set up. left with login information. I went into XXXX XX/XX/year>, and unfortunately things took a turn was XXXX XXXX till XXXX. when I recovered I noticed I can not get into my online banking with the login information that he gave me so I went into XXXX XXXX, and they told me that the online banking was not set up properly. XXXX at the same branch reset it up. He said he was so sorry that the guy originally set it up did not do it properly. Once again, XXXX help me set up the account and add direct debit that day on his computer. He told me to call the number on the back of the credit card to get the payments removed. I found out my credit score dropped XXXX points because of it so I went to the branch manager XXXX XXXX XXXX and asked him to help me with this. He refuses and very condescending. He said that he would be willing to help me and put in an escalation with the branch office. the branch office called me two days later and said that they could absolutely get that removed from my credit report. They just needed something from the branch manager saying that his employee had set it up on the computer or something that said that there couldve been an error. I needed something that states that there couldve been in banking error because there was a Bank error so that I can get it off my credit report. I was in the middle of a {$2.00} XXXX XXXX XXXX that would bring tons of money to the banks. what XXXX originally set up in XXXX mustve not saved because we were here for two hours. He says theres no cameras in the store to help. which is a lie because theres no way you would have a bank without cameras to pull. He told me that if he wrote any letter, he would have to fire somebody in his office and I said you dont have to fire anybody. You need to make this right though. the branch manager tried to make me feel guilty Ive escalated with, the Branch escalation line team, the XXXX  escalations team reached out to the CEOs office and buisness relations person. The branch manager is absolutely not trustworthy. Hes very condescending and makes you feel like you dont know what youre talking about. Every one one of the offices, except for the location branch office is willing to work with me if the branch manager wouldve just written something saying that there couldve been a possibility of an error that was made. he has not. I have been going back-and-forth for this year. I lost {$2.00} XXXX XXXX. We called the executive office one last time two weeks ago and they they were going to make it right and send us a letter. I got the letter in the mail on Friday and the letter says we are not gon na fix the issue. All I needed to be done is to have it removed from my credit report so that my credit couldve gone back up but now its been a year, nobody has any ownership. In the letter they said we are refunding you {$40.00} for a late payment. I didnt want {$40.00}. What I wanted was them to make this right to fix my credit so that I couldve done the deal that I was in the middle of. ( which i lost because of my credit ) The fact that the branch manager does not want to take any ownership it is bad business and Im already telling people in my XXXX  community to not go to XXXX. Its just a letter that is sent to me so I can send it to the credit bureau saying that theres a possibility that an error couldve been made because Ive even talked to multiple people in the head offices and they said yeah, we dont technically have to take full ownership to get this removed from the credit. 



for the XXXX  XXXX XXXX one they cant send me a note saying that I paid, but I have documentation that I paid the months that shows that I had a late payment. I attached those bank statements here. 

I have sent multiple documents for both of these accounts to all three credit bureau and have gotten no correspondence back

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