Consumer complaint received 2024-07-10 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:
Hello I have already previously disputed this and XXXX XXXX confirmed that I did in fact make my payment before the 30 day. I should never have a late payment on my credit. Yes, I get late fees because I am past the XXXX of every month but I am never 30 days late. I always scheduled my payment for the end of the month always always. my scheduled payment for XXXX was scheduled like every other month and come XX/XX/XXXX I personally realized that the money never came out of my account. I personally called XXXX  XXXX to try to figure out why the money was still in the account and they still showed it pending on their end. No issues. Come XX/XX/XXXX I called again as money was still in checking account and that's when they said it looks like the payment got rejected I immediately said there's no reason for that please try it again the money is there And they took the payment and everything went through fine. I've been personally reached out to XXXX XXXX via email as you can't speak to anyone via phone regarding credit reporting, providing documentation from my bank account showing the money was there and there was no reason for the payment to be rejected. Neither XXXX or XXXX charged me any NSF fees because there was technically money there But I begged and pleaded them to not report this to my credit report as it's always hard to get it removed and let 's be proactive and not make this an issue and here we are it got reported. I provided them big statement showing money was there I provided everything that I could think possible to prove to them that I was the one that initiated the payment and followed up on the payment being processed and had I not of done that nobody would have notified me I wish I would have known prior to XX/XX/XXXX because I would have re-issued the payment then The only reason it got re-issued after the fact is because I again caught the error on their end now they're trying to tell me it was rejected by the bank I understand their obligation to report negative credit but though this is not the scenario the money was there I have always made my payment on time there is no reason for this to be a late payment as I immediately told them to retake it and they got their money I asked for them to immediately reverse the negative reporting on my credit report because they got their money when I told them to retake it and they got there they should've got their money timely in XXXX if there wasn't an error on rejection through all this automated nonsense and you're not able to talk to anybody about it. Had I been able to talk to somebody about it at the end of XXXX there would never have been an issue Please remove the negative credit reporting. Per the attached the money shows it was taken out and no NSF was charged therefore they know this was made timely and it was an error. Not by me. furthermore, I have spoke to multiple other people, including other lenders and and they have confirmed that this is not the first time they have heard of this with XXXX and they have had other people with the exact same problem with the payment did not get posted and they try again and it worked That is not my fault. Yes I should've made it earlier, but I still was within 30 days and should never have had a late on my credit report because it was made timely and for some reason it was rejected. Money was present, and it should never have been rejected, XXXX XXXX also did not charge me in an SFV because I think they know that it was an error Please remove any negative remarks from my credit report immediately for all three bureaus I am OK with a late fee That is accurate, but I should not have a late reporting on my credit 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