Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: UT
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 had a home loan with XXXX XXXX XXXX. Established I XX/XX/XXXX. I could not find employment in the state I owned the home and had to relocate almost 2000 miles away to secure employment. I paid 2 months wages to fix the home up for sale and listed the home. I barely made enough money at my new employer to pay current living expenses where I had relocated to. I paid my mortgage with on the said property with my credit cards until I had no more credit to do so. I asked the bank for help to Short Sale the property, offered to assume the debt in the difference of the sale price. Received multiple offers less than what the loan value was, but was unable to get anything done with the bank. My last payment I made was XX/XX/XXXX. By XX/XX/XXXX the bank finally accepted that a deed in lieu would be the best resolution. It took until XX/XX/XXXX for the bank to send documents for execution. On XX/XX/XXXX I executed legal documents to give the house back to the bank. I worked with the bank to make sure they took control of the utilities and get keys to the house. I paid utilities, asked friends to check by on the house and paid for a landscape maintenance company to keep the property maintained until the bank took possession. I really tried my hardest to do the right thing here and to not lose value in the property in the handoff. I felt horrible, I have never defaulted on a loan in my life, but this time period in our country 's history was unbelievable time for reduced job availability and reduction in home values. 

I do not dispute I that I had the loan or that I defaulted on the loan. I just want this part of my credit history to be removed when I hit 7 years since the occurance. I have asked for the date the issue has been resolved. The credit bureau 's can not answer this question, they only go by the last report which was I had not paid XXXX XXXX XXXX in XX/XX/XXXX, of course this is wrong since I gave the house back to them over a year prior to this report date. I wrote letters to XXXX XXXX XXXX to get this resolved, I wrote letters to Experian, XXXX XXXX & XXXX.I wrote 2 batches of letters, and both times I received no documentation to prove the XX/XX/XXXX report. Both times I received form letters saying from all 3 bureau 's saying the records are accurate. With no further detail. I had provided all the legal documentation to all three bureau 's that the actual date was XX/XX/XXXX. 

My ask is they correct my credit report with resolve date of XX/XX/XXXX, so in XX/XX/XXXX I may ask for this derogatory mark may be removed at the 7 year mark. 

The financial hardship I went through, I do not dispute it occurred. Derogatory credit reporting has hurt my ability to take care of my family. I only ask to be fairly treated and communicated to as outlined in the Fair Credit Reporting Act. My interpretation of the rules outlined in the Act find these companies are not complying with requirements of the Act, for the these companies to simply respond with a form letter and no acknowledgement, explanation or documentation to contradict the legal documentation I have provided all 4 of these companies 2 times already I find to be in violation of the terms of the processes of the dispute resolution procedures outlined in the Act.

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