Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4395831
Complaint Overview
Complaint ID: 4395831
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 92084
Date Received: 2021-05-21T12:00:00-05:00
Date Sent to Company: 2021-05-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX : I paid the remaining balance IN FULL via my online XXXX XXXX XXXX XXXX in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). XXXX XXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called XXXX to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the XXXX website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by XXXX after this call and the late is still on my credit report.
Frequently Asked Questions
What is Complaint #4395831 about?
Complaint #4395831 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-05-21T12:00:00-05:00.
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, credit repair services, 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.