Consumer complaint received 2017-12-20
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute an incorrect Late Payment mark on my credit. I have been a customer of XXXX XXXX XXXX since XX/XX/XXXX and have had a good payment history up until XXXX of this year. I advised Exeter that there was a fire in the home above mine which spread to our home and ruined all of our belongings. As a result, my wife and our XXXX kids had to switch homes unexpectedly and due to the expenses, could not make our payment. 

I asked Exeter in XXXX if they could grant me an extension for 2 months so that I could make my next paymentXX/XX/XXXX. We started the extension process but I was told multiple times that they never received my e-mail and the extension never got fully approved until XX/XX/XXXX. At that point, the extension was granted to cover the payments for XX/XX/XXXX and XX/XX/XXXXmaking my next payment due XX/XX/XXXX. On XX/XX/XXXX I also made a payment to Exeter  in the amount of {$570.00} to cover my XX/XX/XXXX 's payment. OnXX/XX/XXXX, after the Extension was approved my Exeter marked my credit 30 days late for the month of XXXX even though that is the month included in the approved extension. It is clear that this is an error on Exeter 's part however they have not resolved this issue since I brought it to their attention originally. 

Timeline of events :XX/XX/XXXX - first initial call to exeter requesting extension XX/XX/XXXX -  extension documents sent XX/XX/XXXX - I sent extension documents back to XXXX department XX/XX/XXXX - I called exeter back because I had not received any confirmation of the extension being finalized and was told to send in the paperwork again. 
XX/XX/XXXX- called back again regarding extension paperwork and was told the initial request had expired and that I had to refile XX/XX/XXXX - I called back in to check on status of extension request and they advised again they had never received it and sent me a new document XX/XX/XXXX - I sent the document back via e-mail to the XXXX departmentXX/XX/XXXX - I called back to ask about extension request and was advised it was never received. I made a payment which I was told covered the month of XXXX. I was sent new E-sign documents to cover an extension for XXXX and XXXX. 
XX/XX/XXXX - I sent E-sign documents back XX/XX/XXXX - the extension was finalized and placed on my account to cover the months of XXXX and XXXX with next due date ofXX/XX/XXXX. 


Again, Exeter reported I was 30 days late to my credit onXX/XX/XXXX which is incorrect because I did have an extension in place. After all we have been through, we are now trying to apply for a house and this has severely affected my credit. I have dropped 120 points due to this mark from Exeter and I did everything in my power throughout these last 2 months to ensure that I had an extension filed and was in good relation with Exeter as a company. It was Exeter that failed to ensure the extension was placed in a timely manner and as a result, they incorrectly marked my account as delinquent 4 days after the actual extension was approved. 

It is of utmost importance that this late mark be removed to help my family qualify for a home and also to have accurate reporting according to the extension that I was approved for on several occasions.

Company response to consumer: Closed with explanation