Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
PUBLIC CONSUMER FINANCIAL PROTECTION BUREAU I RESEARCHED POSSIBLE SOLUTIONS OF REMOVING ERRORS of DEROGATORY LATE PAYMENT FALSELY REPORTING ERROR IN HISTORY OF ALLEGED LATE PAYMENTS WHICH HAVE NEGATIVIELY IMPACTED MY CREDIT SCORE/ VANTAGE SCORES & LIBELEST IMPUGHNING MY CHARACTER. XXXX AGREED ON DEFERMENT PROGRAM PERSONALLY & PUBLICLY ANNOUNCED THEY WOULD DO THEIR PART & HELP PEOPLE WITH FINANCIAL HARDSHIPS DURING OUR DIFFICULT COVID 19 TIMES. WE HAD MUTIUALLY AGREED THAT I WOULD ENTER TEMPORARY DEFERMENT PROGRAM SANCTIONED BY XXXXXXXX & OUR USA GOVERNEMNT. AGREED THERE WOULD BE NO IMPACT ON MY CREDIT NOR SENDING TO ANY REPORTING AGENCIES FOR THIS BRIEF REPRIEVMENT. RECEIVED. ONLY XXXX & XXXX XXXX EXTENSION OF 30 DAYS.PLEASE DELETE INFORMATION FROM ALL CREDIT BUREAUS & REPORTING AGENCIES AS THIS IS INCORRECT & ERRONEOUSLY REPORTED. REPORTED IN ERROR. 
1 ) 1 ) IT SHOULD BE NOTED THAT EACH CREDIT BUREAU : XXXX, XXXX, E XPERIAN XXXX XXXX XXXX XXXXXXXX HAVE DIFFERENT REPORTING ALLEGED LATE PAYMENTS DATES. FALSE DECLARATION OF LATE PAYMENTS .SO PLEASE CORRECT & REMOVE ALL DEROGATORY NEGATIVE ALLEGED LATE PAYMENTS COMMENTS.XXXX DID NOT REPORT CORRECT INFORMATION NOR REVEAL I PAID AS PER OUR HARDSHIP AGREEMENT. I WAS NOT LATE AS PER OUR AGREEMENT FOR FINANCIAL HARDSHIP COVID 19 RELIEF.

2 ) 2 ) SUPERVISOR XXXX XXXX of SWAT TEAM SAID I HAD TO DIPSUTE WITH CREDIT BUREAUS WHICH I DID .BUT RESULT WAS NOT FIXED & CAME BACK FROM ANOTHER DIVISION REPORTED THE LATE PAYMENTS AGAIN! 
SUPERVISOR SAID XXXX XXXX XXXX DID INDEED AGREE TO PARTICIPATE IN DEFERMENT PROGRAM & NOT REPORT TO CREDIT BUREAUS. BUT XXXX XXXX ADMINISTRATIVE TEAM & FINANCE DEPARTMENTS LACKED TIMELY INTERNAL COMMUNICATION BETWEEN DEPARTMENTS. THIS INTERDEPARTMENTAL INEFFICIENCY LACK OF INTERNAL COMMUNICATION DID NOT PROCESS THE MEMO OR COMMUNICATE TO THE CORRECT DIVIOSN RESPONSILBE AS IT IS COMPUTER AUTOMATED GENERATED DID NOT TIMELY PROCESS WITHIN XXXX XXXX, .FAILED TO UPDATE EFFICENTLY TO NOTIFY THEIR COMPUTER GENERATED AUTOMATIVE REPORTING DEPARTMENT NOT TO REPORT DURING THESE MONTHS OF DEFERMENT PROGRAM. THE AUTOMATED REPORTING COMPUTER GENERATED AUTOMATICALLY SENT TO CREDIT BUREAUS ERRONEOUSLY NOT HONORING OUR AGREEMENT. HENCE NEGATIVELY IMPACT ON MY CREDIT BUREAU, XXXX XXXX, XXXX & OTHER PUBLEC/BUSINESS INFORMATION AGENCIES. THIS CLERICAL ERROR NEEDS IMMEDIATE REMOVAL I. DEVASTATED MY FICO/VANTAGE SCORES & PUBLIC REPUTATION AS I AM APPLYING FOR JOBS. I AM XXXX XXXX XXXX WOMAN & CAN NOT AFFORD TO SUFFER FINANCIALLY TILL I AM XXXX XXXX XXXX IN EVERY ASPECT OF LIFE- GETTING AN APARTMENT, JOB, CAR LOAN, MORTGAGE... ETC.. FINANCIAL REPRESCUSSIONS ARE DEVASTATING TO MY FUNDAMENTAL DAILY EXISTENCE. XXXX XXXX HAD AMDE IT DIFFICULT TO MAKE A LIVING. I DO NOT MAKE MUCH MONEY. I AM ONLY ON WIDOW BENEFITS LOOKING FOR WORK AT PRESENT. THIS ERROR OF ALLEGED LATE PAYMENTS & XXXX NOT HONORING AGREEMENT WITH THEIR GROSS NEGLIGENCE SENDING TO ALL XXXX XXXX XXXX REMAINS FOR 7 YEARS.! PLEASE CORRECT AS REPORTING ERROR. MY RESEARCH INDICATED THE THE FOLLOWING HOW TO DELETE. BUT I AM NOT SURE WHICH OPTION TOTALLY DISOLVES NEGATIVE IMPACT ON CREDIT SCORES. SO PLEASE USE THE CORRECT MANNER TO RESTORE, RE-AGE MY CREDIT SCORES IMMEDIATLEY. REFLECTING MY CONSCIENOUS, CONSERVATION HISTORY OF DISCIPLINED, HUMBLE, FRUGAL FINANCIAL MANGEMENT OF MY LIFE & REPUTATION.THANK YOU! PLEASE CORRECT THIS ERROR.SOME VARIOUS OPTIONS I RESEARCHED : XXXX ) PAY FOR DELETE IN EXCHANGE TO REMOVE ACCOUNT AS REQUESTED. I ALREADY PAID IN FULL EXACTLY WITH WHAT I AGREED WITH DEFERMENT ON THE EXACT TIME FRAME AGREED IN DEFERMENT PROGRAMXXXX XXXX FINANCIAL REPRESENTYATIVE. AGREED THEY WOULD SIMPLY TAC ON PAYMENTS AT THE END OF LEASE WICH I COMPLIED WITH. I HAVE PAID FULL AMOUNT 6 MONTHS BEEFORE THE LEASE MATURITY DATE IN FULL. 
2 ) 609 LOOPHOLE SECTION OF FAIR CREDIT REPORTING ACT TO CORRECT ON CREDIT REPORT INCORRECT INFORMATION & DISPUTE. XXXX XXXX AGREED TO THE DEFERMENT TO ME OVER THE PHONE WE MADE ARRANGEMENTS, VERBALLYXXXX ON LINE AS GENERAL STATEMENT TO THE PUBLIC AS WELL.THEY WOUD DO THEIR PART TO EASE FINANCIAL HARDSHIPS DURING COVID 19..IF YOU XXXX  XXXX XXXX ARTILCLES THEY PUBLICLY & PERSONALLY STATE THEY OFFER TO CLIENTS DEFERMENT TYPE PROGRAMS-FOR COVID 19 ON PAYMENTS & WOULD NOT BE REPORTED.YES THEY AGREED & TACKED IT ON TO THE LEASE END XXXX XXXX WTHE LEASE PAID IN ADVANCE 6 MONTHS IN & PAID IN FULL AS AGREED. XXXX XXXX NEEDS TO HONOR THEIR DEFERMENT COMMITMENT TO ME & TAKE IT OFF ALL REPORTING, PUBLIC DOMAIN REPORTING AGENCIES. I WAS TOLD BY XXXX XXXX XXXX IS HIS EMAIL VARIFYING DEFERMENT PROGRAM.I WAS EXTENDED DEFERMENT FOR MONTHS BUT ONLY NEEDED 30 DAYS ON XXXX & XX/XX/2020! 
3 ) XXXX DELETE NOT SURE IF THIS GETS IT TOTALLY OFF CREDIT REPORTS. THE GOAL IS TOTALLY ERROR ON XXXX PART & RESTORING, RE-AGING MY CREDIT TO INCREASE FICO/VANTAGE SCORES IMMEDIALELY. 
REMOVE FROM ALL THE CREDIT BUREAUS : XXXX, XXXX, EXPERIAN, XXXXXXXX XXXX XXXX XXXXXXXX. TIME IS OF THE ESSENCE! THANK YOU!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation