Consumer complaint received 2021-03-21
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:
2nd attempt plea for help from cfpb. 1st complaint was closed by clever manipulation by mortgage company. Clear retaliation and discrimination regarding alleged XXXX orientation. Problems started when attempted to provide them paperwork from court/county removing missing or dead persons who was at one time listed on my loan and had abandoned property many years ago. It was a man and they immediately asked if it was a legal marriage, or what the status of our relationship was. I replied no relationship, was helping out a down and out co worker in XXXX trying to get life together and also added income to my application at the time to help with lower interest. my original servicer XXXX took the legal documents and like the city of XXXX and county of XXXX and removed the person from loan. At the time they didnt I had an account status that didnt require a credit qualifier to remove. They were able to see their own statements in my name where all payments and deposits had been made for many years. THIS CAN NOT BE LEGAL PLEASE READ THIS DIRECT COPY AND PASTE FROM EXPERIAN AND XXXX XXXX XXXX Major Derogatory XXXX XXXX It looks like your account with XXXX XXXX received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. 

How it impacts your score An account with a major derogatory can lower your credit score and will affect your report for 7 years. 

Please explain to me again how this isnt clear retaliation and abuse. XXXX XXXX bank, no bankruptcy, no late payments on file, because of market, and negative equity I applied for and received a modification that DID NOT REQUIRE ANY PRINCIPAL INTEREST OR FEES TO BE added or forgiven. I was forced by XXXX to not pay my loan for 4 months to be considered for the program, during that time, I put all the monies into an account at XXXX to be sure I was able to pay all fees before the permanent modification, which did nothing to help when all said and done, they changed the sale price of house in fha system to higher amount than paid in XXXX, I paid XXXX in lawyers fees and XXXX in mortgage payments, the loan rate didnt actually drop, i already had 4 percent due to auto pay and min dailies in accounts at XXXX. so 10 years added back to loan, no forebearance, no foreclosure, no bankruptcy, and modification was done and permanent 13 months prior to XXXX XXXX purchase of note. I read all the complaints here and online but thought since FHA loan and clean XXXX xfer, auto pay set min 5 days before due date all would be okay, and it was sort of, just typical junk online presence to be expected from places like XXXX who think the internet is evil most likely. I could have cared less, until I got a notice simular to the one above saying that a consumer comment had been added by lender and that code stated I was under covid disaster assistance help, I immediately asked for legal help online and it was corrected in days. 30 days later this alert appeared and in my ignorant attempt to rectify myself per the banks request for future issues, there was no live person to help, one voicemail from a fake supervisor who magically went on vacation the day I called and had been on said vacation for 89 days. When I finally asked who was covering for Ms. " Account Super '' some teller got on the line, I heard her making fun and telling someone near her to listen to this, Ill handle this XXXX person, and not in that nice of words. She got on, attempted to explain that it is out of the banks control when and how bankrupt accounts get reported, I said there is no bankruptcy, that was an error that was corrected and removed many years ago from ID theft 9 years ago, then getting more mean and loud with me she started reading some XXXX she XXXX about modifications online. I said the only error you have made is adding consumer statements to my account that were false and lets pretend there was a chapter XXXX bankruptcy 9 years ago, it would have been settled with XXXX as you only took over 3 years ago. If it was real, show me the file from the trustee and XXXX, along the document that has to be signed by both parties to agree or not to report mortgage from that point. Lets pretend it was not signed, XXXX would still keep the years prior to the imaginary chXXXX on my report and stop reporting upon discharge. That would all be at XXXX. Once XXXX bought the loan, they would not have been part of any chXXXX or modification in process in my case and if I did get sold during mod and chXXXX, why would they XXXX XXXX, accidentally report where XXXX left off current, never late, for 35 months. Then apply a specific code that President Trumps disaster declaration created, so it didnt exist prior to covid19, much less 3 years with XXXX or 10 with XXXX, so it would have been impossible for that to have taken 35 months to find its was over due to the high volume of paperwork she claimed was involved in tranferring my type of loans and making them work in their system. I tried to reach out to hud and fha, they said that the cfpb handles all their mortgage complaints, so I'm asking again for not only your help in restoring my credit as it was when reported correctly by XXXX, but to monitor and be sure that they don't retaliate again at me or any victim of their malpractice. I wish I could tell you what the benefit to XXXX XXXX was or is to damage credit other than keeping their portfolio as attractive to investors as possible by keeping the asset backed credit accounts and sub prime loans at a high percentage for clients with good credit since they know theyll pay. but thats just my guess

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 non-monetary relief