Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: CT
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: Their investigation did not fix an error on your report

Complaint:
I am seeking help as to my concern of how credit report handle reporting investigation and as well how lender is reporting current payments during pandemic crisis. Originally I filed dispute with Experian credit report regarding XXXX XXXX ( auto loan ) payment history not related to COVID 19. At first XXXX had correctly reported my current payments I made each month in, ,current status '' for the last 7 months and then according to Experian XXXX asked to remove my payments and place account in deferred status due to COVID 19 with payments to be resumed in XX/XX/2020. No payments were reported to Experian despite the fact payments were made during those months. 

I have disputed this information with both lender and Experian, I received payment history print out from XXXX so its attached to dispute so Experian can correctly investigate this error. I am not in deferred status and I have been paying my payments out of my packet for the month of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have over and over tried to resolved this issue with Experian and XXXX with no results and only hurting me with inaccurate reporting. Not only its stressful but time consuming to have accurately reported account. 

Experian is advising that XXXX is reporting my account status as deferred and XXXX is telling me I am not reported this way to Experian, They have send me payment print out with payment history showing otherwise and this back and forth is going on for months. I am not really sure what is happening here and I need help, I am sure its happening to others as well.It almost looks like those agencies are trying to obtain monetary relief for showing inaccurate information using COVID 19 because I have no other explanation why would Experian properly wont investigate and or accept payment history from Lender and / or XXXX report accurate information ( my payments they received ) If this is not resolved I would like direction from the agency on how I could report this to either Congress or Attorney Genera, I am sure there others that going through this same issue. I am subject to damages because credit bureau or the lender is not reporting accurate information 's on my account and I feel its against the law and current Cares act also direct accurate reporting which is not in this case. 

My XXXX auto loan is not in deferred status due to COVID XXXX and I have been making payments on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and Experian should report this as of this inaccurate reporting my credit suffer as well my business. I was told by Experian so many times that they don't investigate they just let the lender make updates, that's unusual and never heard of before pandemic. Clearly they denied to accept documentation I send from XXXX and fairly report this issue. MY ACCOUNT IS NOT IN DEFERRED STATUS AND I HAVE MADE PAYMENTS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND THIS PAYMENTS NEED TO BE REPORTED IMMEDIATELY

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