Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I pulled a copy of all three credit bureaus and I noticed the creditor XXXX XXXX listed on my credit report were not reporting payments made to the account since XX/XX/2021 appalled at this error I reached out to the major credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/2021 via certified mail I included in this letter an explanation of the error along with a copy of the payment history from the creditor XXXX XXXX along with an government issue ID and a utility bill to correct my current physical location, I then waited 30 business days for a response from the bureaus the response was overwhelming that claimed despite evidence of the inaccuracies that this account was certified via the creditor to be reporting accurately and current. I then contacted the company 's regulatory department and was contacted by a company representative named XXXX XXXX Legal Assistant, Compliance on XX/XX/2021 she too had assured me that according FCRA they are required to report factual information to the credit agencies only I informed XXXX XXXX that is correct and questioned as to why the payments that I have been making on my loan are not being reported she went on to assured me that XXXX XXXX is reporting up to date payments on the account to the Major credit bureaus, I then explained to her further that I have copies of my credit reports and they are not reporting any of the payments made in the last 90-120 days she then asked if I could produce copies of my credit reports to further understand the error I submitted the copies via email address XXXX XXXX XXXX assured me she would submit this information " credit reporting department '' and reach back out to me regarding this incident. On XX/XX/2021 XXXX XXXX did reach back out as promised and to my surprise XXXX said " The credit reporting department assured her that they are reporting accurate information along with payment history to the major credit bureaus and that I would again have to dispute the information with the credit bureaus as they have no control over what the credit bureaus report on my credit profile from their company and that they would not be able to reach out to the credit bureaus to correct this error ... ... .convinced that this issue will continue to go on and continue to deface my credit history I wished XXXX a great day and let her know on a recorded line as she informed me that I will be filing a complaint with CFPB Complaint Number XXXX Since then a complaint was filed and closed on XX/XX/2021 with the creditor and they have once again assured me the payments made to the account with XXXX XXXX have been reported to the credit agencies as true and accurate along with payment history and signed contract directly from the creditor uploaded to this website and I have been since instructed that if this error continues to reach out to the credit agencies Experian and XXXX who continue to report these inaccurate information as is violates the FCRA consumer laws to report only true and accurate information and once again the credit agencies failed to correct the error

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