Experian Credit Reporting Complaint

Experian Credit reporting department,

Incorrect information on credit report Account terms Texas

Logging this complain against the credit reporting agency Experian for showing Serious delinquency on my - credit cards with - and -. In case of - credit card, I had returned stuff in the store and was told that I 'll get a refund but the refund was not applied for few months. Instead they kept charging late fees every month and later subtracted the refund amount and continued charging additional late fees. This was totally unfair because instead of being refunded I has bothered by - and collection agency and made to pay. I tried to resolve this issue by calling, emailing and faxing them but all in vain. I am also attaching a fax that I had sent to -. In case of - credit card, my account was locked and was told to make the payment without being told what the charge was for. As my account was locked I was n't able to check myself. I contacted them several times to find out what the payment was for but was n't given a clear answer. In both these cases I was treated unfairly. In first case I was made to pay when I was supposed to get a refund. In second case I was being told to pay without the clear information of what the payment was for. I had to go through so much - to resolve these issues and now I see these damaging my credit report. I am in the process of applying for a home loan but having issues because of the incorrectly marked delinquent accounts information on my credit report. So finally decided to log this complain.