Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
In XXXX XXXX XXXX I experienced life changing complications due to XXXX XXXX ( see proof of XXXX XXXX XXXX XXXX  ) and was unable meet a lot of my financial obligations on time. After fully recovering, I was informed by church pastor that credit card companies were providing customers who experienced financial hardships due to XXXX, accommodations to remove the late payments under the CARES act. 
In XX/XX/XXXX I contacted both my credit card companies XXXX XXXX  XXXX and XXXX ) and explained to the representatives that during the time the payments were due I was severely ill with XXXX and unable to fully function on my own and asked would they provide me a courtesy to remove the late payment from my consumer report due to me being ill with XXXX. 
Both companies ( XXXX XXXX and XXXX ) agreed to remove the late payment from my consumer report. XXXX XXXX  sent a letter to all three consumer reporting agencies immediately requesting to have my payment history corrected and updated ( see proof letter from XXXX XXXX to consumer reporting agencies ) and XXXX even sent me a check in the mail to refund me for the late fees that I was charged due to the late payment, because once the late payment was removed It would be impossible to still charge me late so they refunded me the late fee I was charged. ( see proof of refund of late fees ). Although XXXX ageed to remove the XX/XX/XXXX late payment from my consumer report, and also refunded me the late fees associated with the late payment from XX/XX/XXXX they are refusing to update my consumer report to reflect the changes they made to my account by providing this courtesy adjustment accommodation. I have notified XXXX on numerous occasions of their legal obligation to adhere to the FCRA/CARES ACT section. 4021 CREDIT PROTECTION DURING XXXX. 
How is it humanly possible for XXXX to make a " courtesy adjustment '' by waiving a late fee directly related to the XX/XX/XXXX late payment, and then state that they stated they will update my account to reflect the adjustments made, but then refuse to update my consumer report also. They made changes to my account directly related to thta late payment information. 
At this point this is not only blatant disregard for me as a human being but also for my rights as a consumer, and the laws that have been put in place by CONGRESS to protect those that have been impacted by XXXX during these tragic times. Please assist in enforcing the law and rectifying this ongoing issue. 
I want this negative late payment from XX/XX/XXXX deleted from my consumer report. And i want XXXX to pay me {$1000.00} for violating my rights and willfully non-complying with the FCRA / CARES ACT.

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