Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11224453

Complaint Overview

Complaint ID: 11224453

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Account status incorrect

State: Wisconsin

ZIP Code: 53589

Date Received: 2024-12-19T12:00:00-05:00

Date Sent to Company: 2024-12-19T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to alert you to the inaccuracies in my credit report, specifically concerning the dates associated with my accounts and the company policies regarding late payments. Upon reviewing my credit report, I noticed that XXXX points were deducted on XX/XX/year> due to a 30-day late payment by XXXX XXXX. This information is inaccurate, as I paid on time within their 30-day time frame. My payment history should accurately reflect that my account was not 30 days late on that date. Additionally, I would like to address the lack of communication from XXXX regarding their policy on late payments. On XX/XX/XXXX, my car was recalled, and I was at the dealership for an approximate month. I contacted XXXX requesting an extension of my payment due to my care for my credit history. They declined the extension and informed me that no adverse reports would be on my report unless " 30 days pass due. '' My missed payment was on XX/XX/year> in the amount oXXXX XXXX I paid XXXX on XX/XX/year>, which covered the XXXX payment. At this point, I owe XXXX for XXXX. On XX/XX/year>, I made a payment of XXXX toward my past-due XXXX bill, leaving me with a XXXX past-due balance. On XX/XX/year>, I paid XXXX, XXXX, which went towards my XXXX past-due balance, leaving me with a balance of XXXX for my bill due on XX/XX/year>. On XX/XX/year>, I made a payment of XXXX, bringing my payment history current. ( There were some late charges that I would like to be reimbursed for ) According to XXXX XXXX XXXX, whom I spoke with on XX/XX/year> at XXXXXXXX XXXX. my payment was considered 30 days late on XX/XX/year> because I made payment at XXXX XXXX which was after hours. I asked XXXX to provide me with signed documentation stating this policy because it was not included in my signed documents from the dealership, and this was my first time hearing such a thing. He proceeded to tell me there wasn't one. Clients should receive documentation regarding late payments to avoid late fees and negative reporting. Unfortunately, I did not receive such notifications, which contributed to the misunderstanding regarding my account status. I request a thorough investigation into these discrepancies by filing two disputes. I would like XXXX to correct these inaccuracies, remove the negative remark from my credit, and regain the XXXX points I lost due to their failure to provide their clients with important information. Thank you for your attention to this matter. I look forward to your prompt response.

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