Consumer complaint received 2018-06-06
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 information incorrect

Complaint:
My Experian dispute # XXXX I submitted my latest disput with XXXX on XX/XX/XXXX with XXXX XXXX XXXX confirmation number XXXX I have been trying to dispute inaccurate late payments on 6 XXXX XXXX XXXX/XXXX   and XXXX/XXXX XXXX  XXXX student loans from XXXX. All 7 of these accounts were in forbearance from XX/XX/XXXX to XX/XX/XXXX. During this forbearance no payments are required and the account is considered paid as agreed and in good standing. All three credit bureaus have inaccurately reported 30/60/90/120/180 days of late payment, when no payment was required or due. The inaccurate and seriously delinquent payments are from XX/XX/XXXX to XX/XX/XXXX. I have filed multiple disputes both online and over the phone with each bureau, uploaded documents to prove all accounts were in forbearance during this reported delinquency. I called XXXX on Tuesday   XX/XX/XXXX and spoke with XXXX in account services. She verified the my loans were in forbearance during XX/XX/XXXX to XX/XX/XXXX. She said all three bureaus had submitted documents to request verification about the dispute. She said XXXX sent each bureau a letter verifying the forbearance on XX/XX/XXXX. I told her about my struggle with trying to get the information corrected and all the bureaus would do was change the remarks on the account to paid as agreed or account closed refinanced. But they would not delete the inaccurate late payment information. She assured me that the issue may take time to get corrected. The same day I called all three bureaus to update my information. First I called XXXX at XXXX I spoke with a representative and he started another dispute. I specifically said the I wanted all of the late payment history deleted and all of the derogatory remarks removed about serious delinquency on my credit report. I was on the phone for over 20 minutes and the phone disconnected. I dont know if my dispute was filled and I was very upset about being hung up on. Next I called Experian. I was on the phone for 30 minutes. During the verification I discovered other information was incorrect. My address, my name. The had my middle name as my first name. Another dispute was created and I said I wanted all of the late payment history and derogatory remarks deleted from my credit report. Finally I called XXXX and another 30 minute call. I expressed the same expectation. I wanted the inaccurate payment information and derogatory remarks deleted. On XX/XX/XXXX I received an email from experian the my dispute was complete. I said the information was verified by the creditor and it was correct and no change would be made to my report. I know this is incorrect based on my student loan records and from speaking with XXXX directly. I dont believe they had enough time to verify this information and complete a through investigation in just 4 days over a long holiday weekend. XXXX changed one delinquent payment from 180 days late to 90 days late and nothing else. I am furious and mentally exhausted from dealing all of these disputes. It is unbelievable that someone has to jump threw hoops just to correct basic information on their credit report. I have 100 % on time payments. This blatant mistake has caused my credit score to struggle, I have been denied credit, charged higher interest rates and fees. I my wife and I are trying to purchase our first home. This has caused so many problems qualifying for a Mortgage, despite having a well paying position and otherwise excellent credit.

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