Consumer complaint received 2020-11-08
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:
I have been having this issue since XXXX of this year and have called the XXXX XXXX XXXX about 15+ times to get my credit information correct. I am told one thing over the phone and my credit report never shows the fixed solutions I was told. I also filed an earlier compliant with the Consumer Financial Protection Bureau on XX/XX/XXXX and the credit report was fixed for one month and afterwards it went back to showing incorrect payment status and account status. On XX/XX/XXXX is when my credit report is supposed to show my only late payment with this account ; however, my credit reports are showing I am 120+ days late and my status being late and not current. I provided with the XXXX XXXX XXXX  my enrollment during school and they will put my account into deferment since I am in school and told me they will fix the incorrect information, provide to the credit bureaus up-to-date accurate information regarding my account status and late payments. None of this was fixed and I have open multiple disputes with Experian to get my information fixed but they said they were given the correct information and sometimes, my XXXX XXXX XXXX XXXX account for Experian wouldn't be updated for at least 2 months while XXXX  and XXXX  is updated monthly. I can provide all the documentations of disputing with my credit bureaus and I think it would be beneficial to also pull my call logs and conversation with every representative I have had with the UXXXX XXXX XXXX and it'll provide exactly what I am detailing and the understanding that they were providing wrong information to the credit bureaus. I am very frustrated and anger because my credit report has been incorrect and dropped me 100+ points for about 8 months now. I also recently had a conversation with XXXX XXXX XXXX supervisor XXXX XXXX XXXX on, Friday, XX/XX/XXXX, because I requested for a supervisor, and she fully understood my concerns and said that this issue will be fixed and she will personally make sure of it and sent me a confirmation email advising they will update my information. However, XX/XX/XXXX, I receive a notification my credit information has been updated but updated again with the wrong information and my status of my loan not being current and my payment being 120+ days late. This has been going on for months now and I really need the Consumer Financial Protection Bureau to hold this company accountable for false information and not updating my information monthly and accurate to all credit bureaus. Experian til this day says they haven't received any information from the XXXX XXXX XXXX XXXX on my loan and it's been since XXXX since it has last been updated. Also, the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has all information provided to them that proves everything above and I also have correspondence between us that also proves my point. My credit reports should only be showing a late payment for XX/XX/XXXX and everything afterwards I have provided to the XXXX XXXX XXXX that I was enrolled in school and should be current and in deferment.

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