Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13169052
Complaint Overview
Complaint ID: 13169052
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 75035
Date Received: 2025-04-24T12:00:00-05:00
Date Sent to Company: 2025-04-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had setup auto pay with XXXX for automatic payment of my bills while they receive XXXX from my store card company. It has been working for more than a decade. In the month of XXXX XXXX XXXX XXXXXX/XX/year>, the XXXX autopay system failed to process my bills. I didn't receive any notifications of failure. I was assuming the it is working fine and bills are being paid as they have been for years. I didn't know about this failure until the store card company issuing bank sent me letter of delinquency in XXXX. I paid the amount in full and later called them and settled the issue and they reversed the late fees and interest charged. However they had reporting these two late payments to two of the credit reporting agencies and that adversely affected my FICO score - the score came down from XXXX to around XXXX in about two months ( which is another issue I have- they didn't take into consideration that I am XXXX XXXX to other credit cards and financial companies and these missed payments were for around {$650.00} ). Anyhow, I called the store card issuing bank to remove those two late payments from my credit history as they were not intentional or my inability to pay. It was a system fault. They are asking for a letter from XXXX stating this. I called XXXX, they see that there were failures of auto payments however they are refusing to issue me a letter. This is a grave issue for me. The incorrect FICO score is significantly impacting my ability to get new products and services.
Frequently Asked Questions
What is Complaint #13169052 about?
Complaint #13169052 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-24T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.