Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
IM A VICTIM OF IDENITY THEFT, I'VE BEEN WITH XXXX XXXX  FOR OVER 8 YEARS NOW, IM A VERY GOOD CUSTOMER, I HAVE MULTIPLE BUISNESS ACCOUNTS WITH THIS BANK AND A PERSONAL ACCOUNT WITH THIS BANK, I GENERATE A LOT OF MONEY THROUGH THIS ESTABLISMENT ... THE PERSONNEL AT THE LOCATION WHERE I BANK ARE GOOD PEOPLE COURTEOUS ... I HAVE A GOOD BANKING RELATIONSHIP SO I THOUGHT WITH XXXX XXXX WELL, BACK IN LATTER PART OF XXXX OF THIS YEAR, THEIR WAS A FRAUDULENT CHARGE ON MY CHECKING ACCOUNT THAT ENDED IN XXXX FOR THE AMOUNT OF {$590.00} FROM XXXX THROUGH XXXX, AT THE TIME I HAD A XXXX ACCOUNT, I NO LONGER DO, CLOSED IT OUT DUE TO THIS INCIDENT ... PENDING CHARGE OF {$1400.00} BUT XXXX  INTERCEPTED THAT CHARGE, I ASCERTAINED ME A POLICE REPORT FROM THE XXXX XXXX POLICE STATIONED WHERE I LIVE AND REPORTED THIS AND ALSO BROUGHT THIS REPORT TO MY LOCAL XXXX XXXX XXXX XXXX FL XXXX, AND I WATED TO SPEAK WITH THE MANAGER NAMED XXXX XXXX XXXX BUT SHE WAS NOT IN, SO I SPOKE TO ANOTHER BANK REP AT HER DESK... I TOLD HER WHAT HAD HAPPENED AND SHE CLOSED OUT MY OLD CHECKING ACCOUNT THAT WAS LINKED TO MY LINE OF CREDIT FOR AUTO DRAFT AND GAVE ME A NEW CHECKING ACCOUNT THAT ENDS IN XXXX, THAT SHE DID NOT LINK MY LINE OF CREDIT ACCOUNT TO ... THIS WAS NOT INTENTIONAL BUT THIS WAS IMPERATIVE BECAUSE THAT'S WHAT CAUSED ME TO BE LATE DUE TO THE AUTO DRAFT FOR LINE OF CREDIT WAS STILL LINKED TO MY OLD ACCOUNT THAT ENDED IN XXXX, ,SO WHEN IT WAS TIME FOR MY MONTHLY PAYMENT IT WENT TO A CLOSED ACCOUNT ... XXXX HAS NO SYMPATHY NOR ANY EMPATHY FOR A CUSTOMER THAT HAS BEEN BANKING WITH THEM FOR ALMOST 10 YEARS, AND I FEEL THAT AS AA GOOD CUSTOMER THAT I AM THEY COULD HAVE CLEARED THIS UP IF THEY WANTED TOO..IT SHOWS ME THAT THIS BANK CUSTOMER SERVICE IS PREHISTORIC AS FAR AS CUSTOMER RELATIONSHIPS... THIS BANK IS ALL ABOUT SELF IMAGE AND HAS NO CARE FOR ME AS A BANKER AND A LONG TIME CUSTOMER ... .XXXX  SENT A LATE REPORT TO EXPERIAN, MY CREDIT WAS EXCEPTIONAL NO LATE PAYMENTS ( EVER ) IN THE 12 YRS I'VE HAD MY FIRST CREDIT CARD..MY CREDIT REPORT SAYS STELLAR/ EXCEPTIONAL, NOW BECAUSE OF THIS ERROR ON THE BANK,XXXX POINTS HAS BEEN TAKEN AWAY FROM MY EXPERIAN CREDIT SCORE AND XXXX, WHICH IS TOTALLY UNFAIR, AND THIS BANK REFUSES TO CHANGE THAT, ..I WANT THIS CORRECTED ... 2 WEEKS AGO EXPERIAN TOOK XXXX POINTS SCORE DROPPED, I HAVE BEEN SENDING DISPUTE LETTERS AROUND THE CLOCK TRYING TO MAKE THIS WRONG RIGHT ... A WEEK AGO I LOOKED AT MY SCORE ON EXPERIAN AND THEY HAD RESTORED MY POINTS BACK..MY SCORE WAS XXXXTODAY I LOOKED AT EXPERIAN AND THEY DONE TOOK IT BACK MATTER OF FACT EXPERIAN TOOK XXXX POINTS FROM ME, WHY? WHEN THEY JUST GAVE ME BACK MY POINTS A LITTLE UNDER 2 WEEKS AGO ... I DONT DESERVE THIS FLIP FLOP FROM THE CREDIT BUREAUS, ALL THIS IS BEHIND XXXX SENDING THIS WRONG INFORMATION ... .IM ASKING XXXX AS A OUTSTANDING CUSTOMER AND LONG TIME CUSTOMER TO PLEASE CORRECT THIS AND HAVE THE LATE PAYMENT REMOVED, THIS IS HURTING MY CREDIT SCORE AND ALL THE HARD WORK THAT I INVESTED TO KEEP MY ACCOUNTS CURRENT AND PAID ON TIME..THSI IS NOT RIGHT NOR IS THIS FAIR..IT 'S NOT TAKING ANYTHING AWAY FROM XXXX TO HELP ME OUT.XXXX HAVE A COPY OF MY POLICE REPORT.

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