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

In XXXX, I obtained a mortgage with XXXX XXXXXXXX XXXX ( hereinafter, " XXXX '' ). Starting in XXXX, I had a hardship due to Covid, and in early XXXX filed a XXXX XXXX with XXXX regarding my mortgage, asking for forbearance and loss mitigation relief. In XX/XX/XXXX, XXXX offered me a trial plan and then wrongfully reneged on the trial plan. XXXX also failed to grant a forbearance on my mortgage. On XX/XX/XXXX, I sent a legal letter/claim identifying XXXX 's breaches and violations of law ( with supporting citations ), which led to XXXX entering into a Settlement Agreement with me effective XX/XX/XXXX, followed by a Loan Modification Agreement effective XX/XX/XXXX ( hereinafter, the " LMA '' ). 

I fully performed under both agreements, but XXXX materially breached these agreements. Reading the two agreements together, most specifically Paragraph 2 and Exhibit " A '' of the Settlement Agreement and Paragraph 2 of the LMA, it is clear that my then-existing Home Equity Line of Credit ( HELOC ) was replaced with a 40-year mortgage at a fixed 4 % rate with monthly payments of {$1300.00} starting XX/XX/XXXX. The Principal balance was set at {$310000.00}, with a Deferred Principal Balance of {$23000.00} ( derived from the one year forbearance required from my Covid hardship that XXXX wrongfully failed to provide for my mortgage ). XXXX was also required to report these loan changes to all credit reporting agencies but failed to do so. 

I sent many requests to XXXX asking XXXX to change my account information at XXXX and the XXXX XXXX from the old HELOC to the new Settlement Agreement and LMA. In response, XXXX froze my account so I could not pay it directly or obtain any information about the account, including monthly statements. My XXXX account remains frozen/locked out today. 

I also filed a dispute with Experian asking that my XXXX account be updated/fixed to include/reflect the changes set forth in the LMA and Settlement Agreement XXXX I sent these agreements to Experian two times and confirmed receipt, asking the Experian representative to read from each agreement so I could verify Experian was considering the correct documents. Experian twice denied my dispute and continues not to update my XXXX account with current and accurate information. For example, my XXXX account continues to be reported wrongfully as a HELOC with a credit limit of {$300000.00}, resulting in a credit utilization on my report of 114 % ; XXXX has also failed to report my loan payments under the LMA ( which are current through XX/XX/XXXX ) and failed to report the one-year of forbearance on payments from XX/XX/XXXX - XX/XX/XXXX. When filing my Experian disputes, I contacted XXXX 's attorneys and XXXX asking them to look out for the dispute and respond correctly as per the Settlement Agreement and LMA. XXXX failed to do so. In fact, this failure was intentional, as I learned when speaking with a representative of XXXX 's mortgage escalation department. XXXX 's attorneys have now stopped responding to my calls and emails, forcing me to again seek a formal legal solution due to XXXX 's material breaches. FYI, in XXXX, I was forced to file a lawsuit in federal court against XXXX for beach of this same mortgage, which lawsuit was resolved in my favor. 

As a result of these failures my credit score is Poor, and I am unable to refinance my home, which may cause me to lose my home in foreclosure. I am employed again full-time with significant assets, so if the XXXX/Experian fixes were made, my credit score would be Good/Excellent and I would be able to qualify for a refinance loan. I piurcahsed a new car in XX/XX/XXXX and because of XXXXExperian 's failures, I had to make a large downpayment only to obtain an interest rate more than twice market rate, and my car insurance rate was also greatly increased.