Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Utah for 3 years has WITH HELD a payment alleging WE HAD NOT PAID IN GOOD FAITH. 
Wrong. 
Wrong it was paid on time in good faith. 
XXXX XXXX Services alleged we did not pay!!! 
Then lodged 18 negative late payments on all 3 credit reporting agencies. 
Despite and whilst this was being disputed REPEATEDLY AND DURING BOTH A PANDEMIC REFERENDUM AGAINIST NEGATIVE REPORTING AND ALSO A NATURAL DISASTER IN MY ZIPCODE despite both a Pandemic Referendum and Natural Disaster we were and had always in good faith paid in full and they kept reporting otherwise! 
Finally we wrote a 2nd check very early on during this most ugly dispute in XXXX which they also cashed!!! ( even more outrageous!!! ) Meaning we are and never were one full payment behind but cashed checks by XXXX XXXX XXXX proves rather we were one full payment ahead!!!! 
They Select Portfolio Servicing even argued my spouse was not on our Mortgage who wrote the check to put us one month ahead not behind trying to this clear up despite XXXX XXXX XXXX arbitrary error! Select Portfolio Servicing still never gave correct accounting and slammed and spammed us with late fees and as stated falsely reported us to all 3 reporting agencies and XXXX XXXX XXXX still has only current not 1 payment ahead and will NOT REMOVE THE NEGATIVE ARBITRARY FALSE REPORTING ON OUR CREDIT REPORTS WHICH HAS RUINED OUR CREDIT ERRONEOUSLY AND NON FACT. 
The servicer lodged 19 months of late payments ruining completely both our credit scores they ruined our credit on Falsehood! 
They also charge us {$15.00} a month payment fee despite being on a Hardest Hit mortgage agreement with XXXX ( Keep Your Home California ) They since acquiring our loan have never acknowledged the agreement of Keep Your Home California agreement which was no payment fees to make payments easier and timely per Keep Your Home California hardest hit program also that Mortgage could not exceed 30 percent of our yearly earnings infact they have never acknowledged we were a Keep Your Home California hardest hit client or held up the Hud agreement that they bought which landed us with Select Portfolio Services. 
In XX/XX/XXXX KeepYour Home California acknowledged they sent XXXX XXXX XXXX a copy of the hardest hit agreement. 
In XX/XX/XXXX after 6 months of them Falsely attributing non payment to all 3 credit reporting slamming our credit we paid a 2nd check by Co borrower and they still have not credited that payment to us. 
For 19 continuous months they marked and reported us Delinquent and Poor to the Credit Agencies which was not Factual. 
Every month since the beginning of the Pandemic XX/XX/XXXX to date XX/XX/XXXX they stepped up Collections againist us further ruining our credit despite a Federal reporting referendum. 
Then in XX/XX/XXXX they presented and cashed ck # XXXX on # XXXX which was dated XX/XX/XXXX. 
Despite the check dated 2 years prior 2 yrs later the our Bank cleared the Check. 
No acknowledgement or why they presented and cleared a check from 2 years previous at detrement to us! 
2 years later they cash a dated check from XXXX? 
All the whilst we had made several complaints with this agency as well as Hud, Keep your home California, BBB and our Constituents Counsel of Rep .Congresswoman XXXX XXXX XXXX and Rep .XXXX XXXX XXXX office and all 3 credit agencies. 
Outrageous. 
We sent numerous copies of Keep your Home California hardest hit documents as did the Keep Your Home California agency itself ... XXXX XXXX XXXX has never acknowledged this agreement they bought. 
XXXX XXXX XXXX has ruined our credit on Falsehood. 
XXXX XXXX XXXX has us behind by 19 months and never corrected the false record to the 3 credit Reporting Agency. 
Select Portfolio Services does not acknowledge their false reporting error or the fact that they cashed and presented a check nearly 3 years later without explanation dated XX/XX/XXXX XXXX years later it cleared at presentation to XXXX XXXX XXXX California Despite this full payment and 1 replacement check by CO borrower and spouse. 
We have paid in good faith at all times even a check from 3 years prior they presented with no explanation cleared. 
WE ARE PAID TO FULL ON MONTHLY SERVICING INFACT ARE STILL NOT CREDITED OUR PAYMENT AHEAD BY CO BORROWER. 
YET THEY CONTINUE TO REPORT US DELINQUENT RUINING OUR CREDIT FURTHER.

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