Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received one alert email from Experian. On XX/XX/XXXX, I logged into the account and found my credit score dropped from XXXXXXXX XXXX XXXXXXXX. The reason is a {$4.00} delinquent payment from XXXX XXXXXXXX XXXX XXXX  XXXX which was a surprise to me. I never intended to own an XXXX XXXX  and not mention to use such a card. Or else, I will take care of the payment montly. 

On XX/XX/XXXX morning, I called XXXX support and complained that I never intended to use XXXX XXXX  for anything. I even did not where to look at XXXX XXXX  balance since all of my times I use other credit cards. 

Things are very suspicious when I called XXXX XXXX. The lady sophistically pointed to XXXX XXXX in my XXXX XXXX that I never noticed. Everytime I use XXXX XXXX, I never intend to use any XXXX XXXX. I always to link to my other credit card and XXXX  XXXX intentionally set up such a trap for consumers. Another evidence is that the lady found that all the charges are for cloud service, and subscribed via XXXX  account. How come it came to XXXX XXXX? What's more, if I owned XXXX XXXX  XXXX XXXX  for months, where is the montly statement - email, paper or XXXX messages. I never received such notifications. That means without explicit notification, XXXX and XXXX XXXXXXXX XXXX XXXX  set up a trap for American consumers and wait for to profit from those mistakes. What's more, they takes advantages of their connection to XXXX XXXX like Experian and abused their power to cheat on consumers - without writing statements and notifying consumers, they destroy the credit randomly. What happened if I decide to get a mortgage without noticing that I even have such an account! If they have any formal statement notification, I do not think I will have such nightmare. 

The XXXX XXXX issued by XXXX with XXXX XXXX put consumers ' credit at risk. They did not have explicit writing to authorization. When I called XXXX, they asked me to contact XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, I never realized that I have have any financial connection to a bank called XXXX XXXX. How can I owned them money, what's more, the implicit schemes destroyed my credit. 

I requested from XXXX and XXXX XXXXXXXX XXXX XXXXXXXX : - Cancel the XXXXXXXX XXXX  and delete all my personal banking information, which I was forced to pay the {$4.00} balances - Stop sharing my personal information without my written permission - Restore my credit by correcting the mistake. I had never received the financial statement from them formally, and even do not know where to check XXXX XXXX balance without XXXXXXXX XXXX assistance. You could see, how ridiculous XXXX XXXX is! 
- Should follow the regulations of banking or credit cards, and issue monthly payments explicitly via mail, email or messages. Or else, this is a total scam by utilizing the technology. 
- They should stop issuing such card and make more Americans suffer. Please follow formal financials to provide account, login, monthly statement. Without that, it is a total scam, and without considering all consumer 's habit. 

The technology should provide conveniences, but should be in a better way to protect consumers. It should not appears in a deceitful way like XXXX XXXX. I wish the regulations should set up regulations to restrict this industry and avoid such scams. 

As showed in the screen shot, I was not even aware of that the charges went to XXXX XXXX ; Not even know how to check. the XXXX XXXX balance since financially, I am more traditionally - logged into all my banking account monthly and pay the balance. I did not receive any explicit balances and also agreed that XXXX put balances onto 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