Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: GA
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:
So I disputed late payments on my mortgage and despite investigating the mortgage companies response created the narrative they want to create did not fully address my claims and left my report as is. The emails and calls to myself and the single point of contact and all other staff including loss mitigation need to be pulled and reviewed. So what the companies email response is stating is that it is ok and they uphold their employee discriminating against me for having a difficult time with my mortgage loan. It was ok for her to chose not to respond to time sensitive questions and situations because I fell on hard times or have family issues. It was ok for their employee to delay paper work processing and filing in addition to providing me the information I needed which is discrimination but I am to blame for her also not notifying them when I initially advised her of my loan still reporting while I was in forbearance. I should have been on a forbearance for 18 months straight but this lady would not file my paper in time knowing that there would be a lapse reported. That is not legal practice that is discrimination and it was allowed for years to happen. I guess they don't care because it's not their credit being affected. If someone working for a mortgage company or any other company feels its ok to judge someone about their payment history or circumstances when they have not idea what that person is dealing with they should find a new field, more importantly for a company to allow employees to conduct themselves this way with no supervising or coaching says a lot to. That is discrimination and since you all want to make it seem as if I was referring to times when I was not in forbearance which I was not. Now please go pull all the emails between myself and the single point of contact over the past few years and see how responsive she was and how many times I begged her for information due to it being time sensitive. See the emails where I tried to update my legal name with her an she informed me she couldn't do that for years you all had the incorrect name and that was illegal only for me to have pull her teeth when I needed to do the loan modification in that was delayed so long because she was refusing to have my name updated in the system. Now had I been trying to beat the system I would have signed the loan with a name that doesn't apply to me and then tried to justify not paying but I pushed for the right and legal thing to be done and you all are still giving me a difficult time after allowing her to discriminate against me and have that negatively affect my credit. I would like the emails to be shared with CFPB so they can see first hand what I have been dealing with and the illegal actions of that person and how it was handled. It should even display when I asked for a supervisor and expressed how she was purposely impacting my credit negatively with her actions. So with it being illegal for you all to knowing falsely report and do things to discriminate now since I wasn't even going to mention those months that lady put me through XXXX. Now I'm requesting that be investigated and my report be completed cleared. And I would like to file a discrimination case now.

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