Consumer complaint received 2024-07-13 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: NJ

Complaint narrative:
This credit card was closed in XX/XX/XXXX due directly to medical complications of XXXX XXXX and being injured in the line of duty as a lXXXX XXXX XXXX  now on social security XXXX and police XXXX pension. This has drastically changed my yearly income, preventing me from paying my creditors on a timely manner. Ive closed three other credit card accounts and was able to be I rolled in a customer assistance program, lowering my monthly payment to something I can pay in order to eventually pay off my account without claiming bankruptcy. This company has agreed to accept {$40.00} payments from XX/XX/XXXX to XX/XX/XXXX. In XXXX, XXXX, XXXX XXXX XXXX XXXX  agreed to place me in a customer assistance program of paying {$40.00} a month on auto pay on certain dates we agreed to. They are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. After such, some kind of long term plan would be made. Meanwhile, this monthly payment plan, case # XXXX created by the XXXX XXXX XXXX XXXX  representative, was approved. In XX/XX/XXXX, I noticed my account was paid the {$40.00} but I also noticed that my account was being charged a {$30.00} late fee as well as {$110.00} in interest. I called the customer service in XX/XX/XXXX after seeing this and explained my concern. The representative apologized and removed the {$30.00} late fee and stated she would write down my other concerns of {$110.00} in interest being applied as well. In XX/XX/XXXX the account was paid {$40.00} on autopay but again, my account was also assessed a {$41.00} late fee and the additional {$110.00} in interest as well. I did call and filled a complaint as well as writing three ( 3 ) separate internal messages on my account app to the customer service department. I was told during my last phone call with a representative, that she wrote down the issue and after speaking with a supervisor, someone would call me back within 24 hrs. They never did. On XX/XX/XXXX I received a notice on my credit report that now this creditor, XXXX XXXX XXXX is reporting my account as 30 days late. This lowered my fico score by XXXX points. This was outrageous and shameful and should not have been reported wrongly. As this account was in a customer assistance program of {$40.00} per month with the case # I have provided as proof. Now suddenly, Im being marked by false credit reporting of being 30 days late on this account, still being wrongly charged a late fee and still being charged {$110.00} in interest in this customer assistance program. This Creditor, XXXX XXXX XXXX XXXX  is falsely reporting late payment activity, and unethically charging my account late fees and interest while this account was always current and was placed in a customer assistance program to help me till XX/XX/XXXX. This case # proved is authorized till XX/XX/XXXX with automatic payments of {$40.00} a month as agreement between me and this creditor. This is outrageous behavior and incredibly unethical conduct of a bank.

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