Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of all of my credit consumer reports including Experian XXXX and XXXX consumer reports and I noticed that it is reporting my experience with your company. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. 
My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization. 

Below is a copy of the letter sent to XXXXXXXX XXXX concerning the illegal late payment showing on my consumer credit file. 


RUDE WORKERS AT CORPORATE OFFICE On XX/XX/XXXX, I called the corporate office of XXXX XXXX. I asked to speak with someone in the office of CEO, XXXX XXXX. The receptionist were rude left me on hold and hung up on me and refuse to allow me to speak with someone on the executive team. I spoke with the following receptionist XXXX, XXXX and XXXX. When I called I spoke with XXXX and she did not bother to come back to the phone left me on hold and just hung up. Then I spoke with XXXX and she transferred me to a representative that I didnt ask to speak with. I also spoke with XXXX to no avail. They transferred me to the customer service line. This is why the CFPB and Attorney General must be involved. This is not my first time dealing with XXXXXXXX XXXX  and these type of tactics. 






XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IN XXXX We were customers of XXXX XXXX for about 11 years. We sold our house in XX/XX/XXXX. Looking on my credit report in XXXX I noticed that I had about 16 or more late payments and several of the late payments marks applied displayed 30 days, 60 days, 90 days late, 120 days late. I have been denied credit and loans due the discrepancies and inaccuracies on my consumer credit account. XXXX XXXX was paid in full in XXXX of XXXX. During this time late payments were placed on my consumer credit file while we were in arbitration and legal battle over my house to prevent foreclosure. I had to report XXXXXXXX XXXX on several occasions, get legal advice and also I got a Senator XXXX XXXX involved. XXXXXXXX XXXX  would not work with the senators office and had to get Consumer Financial Protection Bureau involved ( CFPB ). Our modification was revoked because XXXX XXXX said that we missed one payment on my modification and refused to take our payment. We went back and forth for months and XXXX XXXX went ahead and started the foreclosure proceedings though we had paid our money. We won our fight in arbitration with XXXXXXXX XXXX but are being punished years later. We have even received late payment mark on consumer credit file in the month we sold our home. Please remove every late payment off of this account. This is stressful, disheartening and has caused me XXXX. I have lost credit opportunities, mortgage opportunities and Ive been denied credit on several occasions. Our personal information was compromised our Return of Loan Documents were sent to new owners though WE SOLD THE HOUSE!. We gave a forwarding address which is below to XXXX XXXX once we finished and sold the home. My account number is XXXX. See CFPB, Return of Loan Documents attachments were sent to wrong address, correspondence during period late payments applied to our account. Please remove ALL Late Payments from All credit reporting agencies Experian, XXXX and XXXX. 



Thank you XXXX and XXXX XXXX Forwarding Address XXXX XXXX XXXX XXXX  Texas XXXX XXXX

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