Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8990782
Complaint Overview
Complaint ID: 8990782
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 information incorrect
State: Illinois
ZIP Code: XXXXX
Date Received: 2024-05-12T12:00:00-05:00
Date Sent to Company: 2024-05-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX I took out a loan online at XXXX. In XX/XX/XXXX I contacted the company via their XXXX number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX XXXX. PST my loan would not be reported late. I called the XXXX number three times on XX/XX/XXXX, and was told that XXXX was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX XXXX PST and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. XXXX told me to send an email to XXXX to also make them aware of the matter. I received a response from XXXX stating my payment was late and would be reported to the credit bureaus. On XX/XX/XXXX, I called the XXXX number again and once again spoke with XXXX. She reviewed the email that I received from XXXX and stated she would escalate the issue to her supervisor because my payment was not late. After speaking with XXXX, I again received an email from XXXX stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. XXXX states all calls are recorded. Therefore, my calls should be able to be reviewed.
Frequently Asked Questions
What is Complaint #8990782 about?
Complaint #8990782 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-05-12T12:00:00-05:00.
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.