Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I was laid off due to the Covid crisis, so I opted to enter into a Forbearance with my mortgage company, XXXX XXXX XXXX. 

I was unemployed for 11 months, so when I found employment I reached out to XXXX XXXX XXXXXXXX to restart payment in XX/XX/XXXX. XXXX  XXXX XXXX explained that my loan balance has remained the same, but the interest of the Forbearance period will be in the amount of {$10000.00} and added to the back of my home loan. I explained that was not my understanding when entering into the Forbearance. I was informed that because I was impacted by the Pandemic ( laid off ) when I find employment my loan balance will remain the same and I can start to resume payment from my last payment in XX/XX/XXXX, and there will not be any credit reporting or interest during the time of the Forbearance. The {$10000.00} interest will return my balance to almost my original purchase amount from XX/XX/XXXX. I purchased my home at {$160000.00} in XX/XX/XXXX, this interest bill of {$10000.00} will bring my balance to {$160000.00}. 

Since I could not get any lead way with XXXX XXXX XXXXXXXX about the interest bill of {$10000.00}, I reached out to my Congress Office, XXXX XXXX, in XX/XX/XXXX for assistance. The Congresswoman office submitted a claim for me, disputing the interest charge of {$10000.00}. I was then contacted by XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, explaining he will look into my dispute regarding the interest bill of {$10000.00}, and why my account balance his only been reduced by {$12000.00} in over 15 years of payments. XXXX XXXX explained during the dispute period there will not be any credit reporting. 

In XX/XX/XXXX I did not hear back from XXXX XXXX XXXXXXXX regarding my dispute, so early XX/XX/XXXX I reached out to XXXX XXXX and left him many voicemails ( XXXX had no email available to so I could only call him ) and also I left XXXX ' supervisor many voicemails. XXXX nor his supervisor did not return any of my numerous voicemails. XXXX XX/XX/XXXX I reached back out to the Congresswoman office for further assistance, since I could not get XXXX nor his XXXX to return any of my numerous voicemails. The Congresswoman office could not get their calls as well. It was not until Resolution someone call the Congresswoman office with an update, which was XX/XX/XXXX. 

XX/XX/XXXX, I received a XXXX package explaining they had came to a resolution, and all account information and balance was accurate and there will be no changes to my account. Then XXXX XXXX XXXX report my account to be late for the period of XX/XX/XXXX- XX/XX/XXXX on XX/XX/XXXX. After I received the resolution I followed up with the Congresswoman office to further assistance, so the Congress Office did reach back out to XXXX XXXX XXXXXXXX to see if there were other assistance program or options for me and before getting a resolution they reported my account again in XX/XX/XXXX as a late payment. 

So now that I am back to work and trying to move forward with my life after being impacted by the Covid Pandemic, these erroneous credit reportings have prevented me from purchasing a home or refinancing my current home. Prior to me being impact by my lay off due to the Pandemic my mortgage account was without any late payments from XX/XX/XXXX- XX/XX/XXXX ( XXXX XXXX years ). 

What disappointments me the most is how poorly XXXX XXXX XXXXXXXX has handled this Veteran 's account. Our Men and Women put their life on the line for our Country every day and is treated in such a manner as this. I was given misleading information when entering into the Forbearance and also the XXXX, XXXX XXXX did not honor his words that he would not report my credit status why the account was in dispute. 

I am asking XXXX XXXX XXXXXXXX to reverse the bad credit report of my account for the period of XX/XX/XXXX - XX/XX/XXXX so that I can move forward with my life so I can get beyond this Covid-19 crisis.

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