Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX has reported me as being 30,60,90 days late for my payment on XX/XX/2018. In the app - ( Which is what XXXX XXXX requires you to use to take advantage of XXXX XXXX ) There's no visibility of the payment ever being missed- So, I would never know of their being a missed payment of any sort. All payments were made on time with XXXX XXXX and I enjoy what they offer me but the way the payment processing and credit reporting works was not working correctly at the time. My app was showing processed and never actually showed me missing a payment. It wasn't until recently that I went on and saw that I missed a payment ; as it was added to my XXXX  credit recently and logged in on the computer to see a missed payment, That information doesn't show as being missed in my app and the XXXX  interface is app dominant - Not computer dominant. Even if the payment was missed there are three instances where it still shouldn't have been reported as 30,60,90 1. The  payments are made bi-weekly but credit lateness 's are not reported until 30 days late - So, even if the payment was missed ( which I wasn't aware of because the app showed processing ; and after my phone call-Did n't show it as being late at all ) When a consumer goes and pays a monthly payment - They can't pay above what's already missed because that's never allowed and it doesn't even make sense. If my car payment of XXXX is due on the XXXX and XXXX of every month but my XXXX on the XXXX is missed. If my payment on the XXXX comes up - My payment will automatically apply to the missed payment on the XXXX and if that was done all the way until I paid off the loan in full ; technically I was never late on any payments because they're paid every 2 weeks. So, I would be 14 days late on the payment up until I paid the loan off but the timer would reset every time I made a payment. It would never actually reach 30 days. So, it doesn't make sense to go in and report a consumer 30,60,90 days late for a missed payment and continue processing further payments ; without applying it to the late payment or paying the overall " due '' for the previous week. 2.Typically, if a payment is missed - It is re-initiated automatically for re-processing and that is definitely something that is expected if I'm required to do ACH 3. If payments are coming out automatically and the way of the consumer checking to see if payment is fine or not is by phone app and the phone app shows it's fine or processing The information supplied on that phone app should be correct I love the XXXX  app because it's a great product but this is a huge mistake and error that is extremely detrimental to ones credit and no credit or banking etc.. Skip over a missed payment and pay a payment ahead of what was missed. It's like drinking out of a cup before you put water in it ... Doesn't make sense and no companies operate this way The late payment of 30,60,90 needs to be removed because yes ; even IF I missed the payment - I was still paying bi-weekly on every payment after that and it's not possible to go 30,60,90 while making payments and your account being current. That's not possible. If my account went 30,60,90 days late the account would have been in default.

Instead, I paid off every single week as if nothing was wrong. Why would I be making payments on time and go three months not making a payment of literally {$9.00}? You've got to be kidding me - There was an error with the XXXX XXXX   phone app that showed my payments as all being paid on time and I went based off of that. Eventually paying the balance off - Well before it was due ... This needs to be fixed - I've filed dispute after dispute XXXX XXXX Still hasn't corrected my late payment status ; after I provided pictures showing that their app shows NO late payments on my end. So - Even if there was a missed payment .. I wasn't aware because I wasn't notified and it didn't show in the app at all They need to fix this or legal action will be taken

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 non-monetary relief