Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This issue is related to two ( 2 ) other similar complaints, XXXX. XXXX filed on XX/XX/XXXX & XXXX. XXXX filed on XX/XX/XXXX. Both cases are directly related to XXXX XXXX XXXX and were both sent to another agency, the Department of the Comptrollers office for further review. The program is the comptrollers office has not did anything since XXXX began an investigation back in XX/XX/XXXX. Then again on two other times with referrals of the two cases mentioned above being sent by your office as well. Ive also called 4 or 5 times to the Comptrollers office only to be told they are still trying to contact XXXX XXXX and no further information is available. This it outrageous as this issue has been going on since XX/XX/XXXX to the present with XXXX XXXX now destroying my credit and fico score. Recently I again filed a dispute with Experian as to I had an agreement with XXXX XXXX XXXX in a customer assistance program of paying {$40.00} a month from XX/XX/XXXX till XX/XX/XXXX. This would allow me to make payments of {$40.00} per month without XXXX XXXX XXXX not reporting any negative information to my credit report till a long term agreement is worked out, using the comptrollers office. Having this payment agreement with XXXX XXXX XXXX of {$40.00} a month, which you can see on my credit report as payments are marked as on time, only in XX/XX/XXXX did XXXX XXXX XXXX now suddenly began not only taking the {$40.00} out on auto pay as usual, but now began charging me a late fee of {$41.00} and a interest fee of {$110.00}??? This original arrangement/ agreement case # with XXXX XXXX XXXX XXXX case # XXXX. This agreement was authorized and approved by XXXX XXXX XXXX and myself and they provide this case # as to such agreement. We further agreed to certain dates as to XXXX XXXX XXXX taking my {$40.00} payments directly from my banking account on dates we agreed on. They were XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. After this, a more permanent payment agreement for long term would be worked out to pay this account off in full while protecting my credit report from any negative reporting. Now, as of today, XX/XX/XXXX after receiving my experian dispute back from my argument of last month 30 days late appearing on my experian credit report from XXXX XXXX XXXX reported XXXX 30 days late as of XX/XX/XXXX is inaccurate, false and misleading information. XXXX XXXX XXXX for some reason is breaking our agreement as mentioned in case # said above, ruining my credit and fico score and now with todays completed experian credit report results, XXXX XXXX XXXX has now reported Im 60 days late, one 30 days for the month of XX/XX/XXXX but now for XX/XX/XXXX WHEN THE PAYMENT IS NOT EVEN DUE TILL XX/XX/XXXX. Today is XX/XX/XXXX. This deliberate, inaccurate, false and misleading information now as to me being late for XXXX monthly payment as late when its not even due till XX/XX/XXXX is false. This bank, XXXX XXXX XXXX is falsely reporting to a credit reporting agency, experian that Im late in a payment for XX/XX/XXXX which you can clearly see in pic of my site of my credit card. You can see this payment being reported late for XX/XX/XXXX IS Not EVEN DUE TILL tomorrow, XX/XX/XXXX. This is illegal, false and fraudulent reporting by XXXX XXXX XXXX bank that has now not honored our customer agreement due to hardship issues Im having but is also charging me late fees, interest and now reporting false information as to late payments for both XXXX and now XX/XX/XXXX that you can clearly see. The office of the comptroller has done Nothing to assist and they have had this case with them, case # XXXX open sine XX/XX/XXXX with No help or remedy to stop this. Now, my credit is ruined, my fico score has dropped XXXX points and now my efforts to make agreements to pay off my creditors and protect my credit is now destroyed. XXXX asking that you agency at least file a formal complaint for XXXX XXXX XXXX illegally reporting a late charge to my credit reporting agency that now has destroyed my credit and will now force me to file bankruptcy.

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