Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is blatant credit discrimination, harassment, XXXX discrimination, and retaliation against myself as a human being. Totally against public policy. I want XXXX XXXX XXXX to correct my credit report ASAP. A bank can not do any of what they are doing to me as a human being. It is against many federal and state laws and they are getting away with it. 

Please take a look at the reports? 
The various reports are getting worse and worse. 
COMPARE THE ACCOUNT BALANCES AT ON THE PAGES. LOOK AT THE DISCREPANCIES. THE RECENT BALANCE IS {$150000.00} AS OF XX/XX/XXXX. THE RECENT BALANCE AS OF XX/XX/XXXX IS {$170000.00}. SOMETHING IS WRONG. MY ACCOUNT NEEDS TO BE AUDITED. 


XXXX XXXXXXXX XXXX has me in court and also working out a Deferment Plan with me at the same time. The underwriters have the documents. The contact name with XXXX XXXXXXXX XXXX is XXXX. I am the guardian of a child with a XXXX XXXX  I am not trying to stop the foreclosure by making these requests these are factual requests that can be supported by documents. 

I should have never been in court. XXXX XXXXXXXX XXXX did not follow the government 's instructions or recommendations to roll the late payments back into the loan. I would not be in foreclosure if they would have done what the government requested. Now XXXX is working on the case to get the mortgage up to date and I am still in court. 

I have a small business XXXX XXXX XXXX XXXX. I am almost out of business completely. I am unable to obtain inventory because of the Status of Foreclosure Proceedings started {$43000.00} past due is appearing on my credit. This should not be on my credit report at all. 

I CAN NOT WORK. I HAVE A CHILD THAT HAS A XXXX XXXX. I HAVE BEEN WAITING FOR A YEAR TO GET PAID/OBTAIN BENEFITS FROM THE STATE OF ILLINOIS TO ASSIST ME WITH THE CHILD SO I CAN WORK OR BECOME HER CAREGIVER. 

I am not supposed to be in court and mitigation at the same time. XXXX XXXXXXXX XXXX  is not doing this to all of its customers. I am sure of this. Why can't anyone help me to get this all straightened out? BLATANT DISCRIMINATION, HARASSMENT, CREDIT DISCRIMINATION, AND XXXX DISCRIMINATION EXIST. 


I WAS NOT LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX OR XX/XX/XXXX, Nor XX/XX/XXXX. Stay-at-home restrictions went into effect in XX/XX/XXXX. I WAS ON A FORBEARANCE. IF THE BANK RELEASES THE DOCUMENTS IT WILL SHOW I WAS ON A FORBEARANCE. THE FORBEARANCE RAN RIGHT INTO THE STAY-AT-HOME RESTRICTION ORDERED BY THE GOVERNMENT. 

NOTICE ON THE CREDIT REPORT FOR XXXX THAT IT READS OKAY THEN LATER CHANGES TO ND WHEN I SHOWED UP TO COURT TO FIGHT THE FORECLOSURE. NOW WE ARE UP TO XX/XX/XXXX AND XXXX XXXX XXXX HAS FILED FOR FORECLOSURE WHILE ALSO MITIGATING WITH ME. ONE MONTH AFTER THE DECLARED NATURAL DISASTER WAS OVER THEY TRY TO TAKE MY HOME FROM ME. 

THE BANK WILL NOT PROVIDE THE DOCUMENTS FOR THE FORBEARANCE. I HAVE DOCUMENTS AND LETTERS AND TELEPHONE CONVERSATIONS TO SUPPORT MY CLAIM. I HAVE REQUESTED THE DOCUMENTS MULTIPLE TIMES. I AM NOT GETTING THEM.

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