Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4736998
Complaint Overview
Complaint ID: 4736998
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: New York
ZIP Code: 11230
Date Received: 2021-09-20T12:00:00-05:00
Date Sent to Company: 2021-09-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I'm a Customer of XXXX XXXX XXXX, I have an Auto lease from them. my account was set up on AutoPay and they were drawing the money each month automatically. the lease maturity date was on XX/XX/2021, so I called 2 times on XX/XX/2021 in order to extend the lease. XXXX approved my lease to be extended till XX/XX/2021. Since the Account was set up on AutoPay I thought they are pulling the money automatically like they did every other month during the time of the lease and since the representative on the phone didn't mention anything about the AutoPay getting canceled. I called again on XX/XX/XXXX, XXXX and I've been told that everything is ok and the representative didn't mention anything about a payment past due and he just said that everything is ok with the account. after checking my credit I noticed a late payment reported on my report for the month of XX/XX/2021. I called XXXX to check what's going on they told me that the AutoPay got canceled since the maturity date of the lease was due on XX/XX/XXXX, XXXX and therefore I'm late for over 30 days. I've been trying to explain to them that when I called the representative didn't mention anything about it and even when I called 2 days after the payment due date I've been told that everything is ok with the account and no action needs to be taken. I never had a late payment on any of my accounts I'm a very responsible person and I understand my financial obligations. please help me fix this issue ASAP. I'm planning to apply for a mortgage and it came to my attention that the missed payment on my record could hurt my ability to qualify.
Frequently Asked Questions
What is Complaint #4736998 about?
Complaint #4736998 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 2021-09-20T12:00:00-05:00.
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.