Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: MA
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:
The coronavirus pandemic has been a mental and physical drain for the globe. During this global crisis, many consumers faced the added stress of dealing with financial services companies that didn't always follow the rules or were slow to move when the federal government attempted to relieve the economic effects consumers were experiencing. 
I am a victim of the above challenge. There is a credit report inaccuracy on my credit from XX/XX/2020 issued by XXXX XXXX. There is a dissonance between the laws introduced to help consumers during the Pandemic and how XXXX XXXX reported my suspended payments to the credit bureaus in XX/XX/2020. I have attempted several times to contact XXXX XXXX directly regarding this inaccuracy with no success. I am left to deal with the error now on my own despite guidelines that were enacted to protect consumers from negative credit implications during the Pandemic. 
At the beginning of 2020, I lost my job due to the Pandemic. My company was a XXXX company that was based out of XXXX, so the economic impacts of the Pandemic hit our company sooner than it did US-based organizations. When this occurred, I called all my creditors to ask for adjustments in payments until there was clarity around what would be next. When I spoke with XXXX XXXX, they said they would suspend my minimum payment, and I would have to call them each month to verify if I still needed this accommodation. They stated I would have no late fees, nor would there be any negative impact to my credit report due to this adjustment on their behalf. They assured me that as a result of the Cares Act and XXXX XXXX making accommodations for consumers that needed it, I would not experience anything adverse. 
I did as they instructed until I was able to resume payments. Once I was able to continue payments, I called them and went back to our regular payment schedule. Upon pulling my credit report at the very end of 2020, I noticed that I had a 30 day late in XXXX of 2020 from XXXX XXXX that appeared on my credit. This late appeared after the time in which I called XXXX XXXX and explained to them that I would not be able to make payments. And that this was accurate, as they assured me as a result of the Pandemic, they were making accommodations for consumers that needed it, who were impacted by COVID-19, that I would not have any late charges or any impacts to my credit report. I called XXXX XXXX and explained to them that this error was on appearing on my credit report, at which point they said they were unwilling to adjust the information on the report. I'm writing in hopes that someone will do a thorough investigation regarding this inaccuracy, as this is a violation of my consumer rights. I was told I would have no implications on my credit report due to the Pandemic, but this is not the case with XXXX XXXX.

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