Consumer complaint received 2024-06-25 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: WI

Complaint narrative:
I saw a 30 day late payments on my XXXX XXXX XXXX XXXX Credit Card account today which is inaccurate. I called in to see about the late payment and I was told that I hadn't made a payment since XXXX. If this was true, since this is now XXXX, the payment would definitely be more than 30 days late, maybe even 60 days late. So they aren't reporting correctly. I believe that automated system has a glitch in the system because of the way it was behaving today while I was on the phone. All XXXX companies, Experian, XXXX and XXXX are data furnishers who definitely reported inaccurate information as well, that I never gave them permission to even report. My signature isn't even on any paperwork giving them the authority to report any of my personal information. On today, XX/XX/year>, I was told over the phone by a representative that my next payment was due in XXXX. But when I listened to the automated system, it says that my next payment is due on XX/XX/XXXX and that I owe {$160.00}. So because I didn't want another late payment to go on my report because I didn't trust what the representative was saying, I did try to make that payment this morning because I don't trust them or the automated system now. However, I when made an attempt to make the payment since it's so close to the XXXX, the automated phone system said it was having technical issues and difficulties today today and I was unable to make a payment by automated means or by a representative over the phone. I have every reason to believe that when I made payments in XXXX and XXXX that there could have been issues with the automated phone system where it may not have worked correctly, because it definitely isn't working properly as of today. My payment is current and up to date. My credit reports were stellar before this incident. Now my credit scores have dropped due to this fiasco. The late payment that showed, said that it is {$110.00} past due as of XX/XX/year>, and I made a {$200.00} payment on XX/XX/XXXX. So I am definitely current. Now on these facts alone, I am requesting that the late payment that shows across all XXXX companies that furnished their data be required to update the XXXX XXXX XXXX XXXX late payment to paid as agreed and have the late payments to be removed from all XXXX data furnishers... Experian, XXXX and XXXX. The automated phone service and representatives don't have accurate or adequate reporting information and they aren't reporting correctly either. Nothing is adding up and I shouldn't be made to suffer the consequences from these actions. Experian, XXXX, and XXXX are also reporting inaccurate information. The FCRA states that I have the right to dispute any inaccurate information reporting erroneously, and it shall be removed promptly. I'm requesting that all records pertaining to my XXXX XXXX XXXX Credit card account should be updated as paid as agreed with no late payment showing.

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