Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX has been by far the most u ethical company to rebuild car credit with ... i invested {$3500.00} into my new car and have diligently work to make on time payments ... all while experiencing to date a total of 3 recalls a new battery and a buy back option for the vehicle that has cause safety issues. I recently requested the lates reported in the year XXXX to be removed. XX/XX/XXXX as a courtesy and again in XX/XX/XXXX as a deferment was granted and the representative informed me a late would not occur if returned before XXXX. The rep misinformed me as the month CONSISTENT of 31 one days. A slight mishap in which a courtesy waived is something to consider. After several request I was told to dispute in which I did and rhe late markers were removed ... XXXX and XX/XX/XXXX late markers occurred as I was affected by covid19..i worked out accommodations and received new jobs that were postponed and never started due to COVID..i kept in co tact and made agreed partial payments until current and within the time allotted. Under XXXX XXXX I followed the procedures to have late marker removed and requested the diaster codes for these months and payment history to be corrected as indicated in the cares act declaration. Having to provide all this information to XXXX and the credit bureaus several disputes return with no correction and reverse of the XXXX lates payments now showing again. What company does not considered uncontrolled circumstances as well as courtesy grants. Considering the challenges with the vehicle recalls such an inconvenience. Furthermore I purchased on XXXX XXXX reports and my car stopped while out of town I had on XX/XX/XXXX run the report to tell me my car was in good shape while sitting on the highway ... even after all this ... XXXX has offered to buy back the vehicle so I may seek a new I e and I cant with all the late markers ... the fact that the disputes were resolved and reverse to remove the late reporting and CARES ACT does not give the creditors an option. To decide if they want to remove the late ... its law what is the reson for unethical decision making as a 1st time customer ... .the XX/XX/XXXX reviews reveals this is apparently common with this financial institution. I am requesting XXXX XXXX be held accountable to the law of the Fair credit reporting and CARES ACT and remove the late reporting for XXXX as previously disputed and resolved. I was not notified of the reason for reversal and what is unclear about the Cares Act declaration attached that calls for the late payment history to be reversed and coded as diaster? I invested my money I to the car deal and my auto loan was to rebuild my credit should you question my intent. 
Please have someone of authority and understanding of the law review and correct my payment history ... i am now simply asking the CFPB TO BE INVOLVED and demand you to follow the law vs a curiosity late removal. I followed the proper steps of dispute and Cares Act ... please see attached Lastly ... each bureau for XXXX has reporting different months lates each bureau is inconsistency in reporting. Some have XXXX XXXX XXXX and XXXX this has caused me several downfalls and should be corrected as they have made a mistake results are life changing for me as a customer.

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