Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account # XXXX XXXX XXXX  and Experian Credit Bureau are in violation of the fair credit reporting act. XX/XX/2021 agreement option # 2 You can pay XXXX to end the contract by signing a Warranty Deed in lieu of Foreclosure. This will also stop the reporting to the credit but it does not erase the past negative reporting. Shows account is closed. 
via phone and email with XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/2021 I paid the {$3500.00} with my credit card to begin the process for Warranty Deed In Lieu of Foreclosure. Below XXXX confirmed receiving the payment and getting me the documents which contained an affidavit to not seek legal counsel or attorney or the agreement will be voided and Ill owe the balance and it will be reported and the warranty deed in lieu. 

Dear XXXX XXXX, Here is the confirmation number for your payment of {$3400.00} today for the Warranty Deed in Lieu of Foreclosure ( WDIL ) processing fee. Approval number XXXX. This WDIL fee is now paid in full. 

The WDIL and affidavit will be mailed to your address on file and should arrive within the next 7-10 business days. When you receive it you may follow up with our office if you have any questions. Once your correctly executed XXXX and affidavit is received then you will be released from all contractual obligations and the ownership will be closed. The credit report will then be updated as a Deed in Lieu. Our contact number is XXXX or XXXX. Thank you. 
The paperwork was signed, notarized, and mailed back. The account was closed XX/XX/XXXX according to the rep I spoke to over the phone. I asked for a letter on letterhead from XXXX stating how the account would be reported to the credit bureaus now that it was closed. XXXX emailed me this letter. 

Account # XXXX Hello XXXX XXXX XXXX, XXXX and XXXX XXXX and XXXX  XXXX This letter is to confirm that we have received your signed and notarized Warranty Deed in Lieu of Foreclosure document you will be dismissed from foreclosure, released from your contractual ownership. 

Please call our office at XXXX if you have any further questions. 
Regards, XXXX XXXX The letter was provided to XXXX XXXX my Senior Loan Officer as he requested to get the credit report updated. Since that time we have asked for an updated letter stating how it will report. We went back and forth up to XX/XX/XXXX we got a updated letter stating the same signed by XXXX. XXXX and I continued to reach out to both Experian and XXXX because the reporting was showing collections as status, the bank liquidation, then foreclosure. The report status at Experian was closed with no balance in XXXX. According to XXXX, Experian made a mistake so they had to correct it by opening it back up. We were in a position of going back and forth between XXXX and Experian both blaming the other for it not reporting correctly. XXXX paid for two rapid rescores to update the report. We were on the phone with XXXX during the week several hours and then with Experian. I repeatedly uploaded documents from XXXX to support the dispute that the account was showing showing correctly. There should be no foreclosure showing. Based on the documents I uploaded from XXXX Experian would show account as closed with no derogatory statements. XXXX and I would look at the report again and it would be changed to foreclosure, late XXXX, etc. Experian blames XXXX and XXXX blames Experian saying they cant help it if Experian doesnt report it correctly, then Experian says they only report what XXXX tells them. This has been chaotic and intentional unfair credit reporting. We provided XXXX with credit reports showing the discrepancy or incorrect information that was highlighted. At this point XXXX is saying they have updated the report and it shouldnt show foreclosure and that its up to Experian to report the information XXXX provided, Experian insists they have reported exactly what XXXX has told them, that in fact the latest dispute is pending due to no response from XXXX. 
This has been chaotic and intentionally unfair credit reporting which is inhibiting my ability to purchase a home. This reporting effects my ability to work with XXXX Affairs for my VA XXXX as I can not have any foreclosure. This is a timeshare. We have talked to several people at XXXX and Experian and this is still unresolved.