Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
XXXX XXXX closed and charged off my account in XXXX of XXXX. After that, they for some reason allowed two more charges to clear on my account. I was upset with that as it increased the amount I owed them by ~ {$66.00}, but I came in XXXX of XXXX and XXXX of XXXX and paid off the remaining balance in its entirety, XXXX out the account in XXXX of XXXX. That means that at most, there should be six months of reporting me as charged off. There was at that moment, a {$0.00} balance on my account. 

Fast forward to XXXX of XXXX, over one year after my account was closed and charged-off, and XXXX XXXX cleared ANOTHER charge, this time one for {$66.00}, to XXXX XXXX , because I had set up a subscription multiple years ago, but with an email I no longer had access to, meaning I could not cancel my subscription.

I have now spent over 12 hours on the phone with XXXX XXXX, and spoken to over 20 of their staff, all of whom have not been able to figure out how or why those charges would have posted to my account but all of whom assured me they were going to take care of things. To the best of my research and knowledge, sometimes subscriptions can post to an account even after it has closed, but within 6-12 months of closure, not 14 months later, and banks can sometimes try and make you pay that, but it is their fault and their liability. 

I spoke with XXXX for hours, and they did start a dispute for the {$66.00} transaction in XXXX of XXXX, and somehow concluded that even with a XXXX  out, closed, charged off account that was fully paid, they have found me liable for this amount. Even though my account is now shown as closed on my credit reports. 

So, I need the CFPB to : 1 - Force XXXX XXXX to acknowledge that the {$66.00} charge in XXXX of XXXX was a mistake of their system and that I am not liable for that- if anything, that transaction should have bounced, just like any transaction attempt I would have made with a card linked to an account that had been charged off and closed for over a year. 
2 - Force XXXX XXXX to correct their credit reports. I should fairly and accurately have " Closed/Charged-Off '' on my credit report from XXXX of XXXX, when they charged off my account, until XXXX of XXXX, when I paid it off in full. They have submitted " Closed/Charged-Off '' on my credit report not just for that period, but starting again in XXXX of XXXX, which makes no sense because the account was fully paid off, no new transactions had posted, and the disputed XXXX $ charge hadn't even occurred yet. Even in the most charitable interpretation of their side accepting the errant charge could be fairly posted to a closed account, I would not have had any negative remarks from them between XXXX of XXXX and XXXX of XXXX. They must remove all of these fallacious marks from my credit report. This is dragging down my ability to open new bank accounts or secure lines of credit, including making it difficult for me to open a bank account for my business.

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