Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9139854

Complaint Overview

Complaint ID: 9139854

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: California

ZIP Code: 91354

Date Received: 2024-05-30T12:00:00-05:00

Date Sent to Company: 2024-05-30T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

In the month of XXXX, I was offered a " financial hardship plan '' as I had lost my job. The hardship plan stipulated I would make pymts in the amt of {$520.00} a month for 3 months and resume standard pymts of my loan in XX/XX/2024. The arrangement came with the diff. being added to the end of the loan along with int. and misc fees. I made my XXXX pymnt in XXXX with no issues. In XXXX, I scheduled a pymnt on XXXX of XXXX, that wasn't debited until a few days later. I encountered an issue with my bank and I immediately contacted XXXX to advise them and find a solution for the posting of the pymnt. I spoke to an agent as soon as my bank advised me of the returned item to which the agent assured me it would be " re-run '' and conf. that scheduling a new pymnt would impact the posting date & placing it outside of the " grace period '' -I was concerned bc I have always been proactive and didn't want to jeopardize a " late pymnt '' or " defaulting '' on the pymnt plan. agent reassured me the best course of action was to allow for It to be " ran '' again. I called a few days later bc indeed the debit was not reattempted & my bank conf. what a 2nd agent too confirmed. After that, it became a travesty btwn agents & getting a sup to call me back. For 2 weeks I attempted and was always given the story of " only 2 sups and within XXXX hrs someone will call you '' at one point I became irate and demanded to stay on the line to allow me to speak with the SUP that had promised 4 days prior to call me back, Supervisor XXXX. Once the sup answered, he had the worst attitude & least care in listening. or reading the ALL the previous notes from agents dropping the ball again in escalating my concern or even acknowledging my many attempts to resolve this matter. XXXX then falsely claimed that XXXX had reattempted a payment on the XXXX which had already been confirmed FALSE by the bank & prev reps. When confronted, he responded with a nonchalant tone that he would need to " audit the calls & he would CALL ME BACK '' its been 2 weeks on top of the initial 2 weeks of me begging for a call back and still no reinstatement of the plan, which I paid as agreed but now the acc is being reported deliquent based on the poor advise of poorly trained rep and inability to get a call back to get this situated. I was expected to pay 3 payments of XXXX and I did yet, I was hit Fees, delinquent reporting, zero accountability on their part to acknowledge the incorrect information being given by their reps, and topped it off with a " we will call you '' which never came.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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