Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
30 Day late payment reported to the Experian, XXXX  and XXXX. I have never been 30 days late on a payment to this company The company solicited me for a payment extension through repeated telephone calls between XX/XX/XXXX and XX/XX/XXXX. I am a native Floridian and was affected by the XX/XX/XXXX Hurricane in XXXX Florida. I eventually spoke with a XXXX XXXX XXXX Representative and they place a payment extension on my credit report. I was later reported to the credit bureau. I was told by a representative, it was for a late fee. I have kept a copy of all my credit report back to XX/XX/XXXX and at no time on any car loan have I been reported to the bureau for a late fee. I purchased this car at XXXX XXXX in XX/XX/XXXX. I never received any correspondence from XXXX XXXX XXXX until the latter Part of XX/XX/XXXX despite repeated calls to this as to my due date and actual car loan amount. My payments are due on the XXXX of each month. I have always paid my payments prior to 30 days. The Representative acknowledge this information and told me, they would not report me for payments prior to being 30 days late and the late fee was reported for the 30 days late in XX/XX/XXXX when the extension was applied. I asked, " if its for XX/XX/XXXX, why was I reported for XX/XX/XXXX? '' He stated I would need to write XXXX XXXX XXXX to request the removal. I wrote XXXX XXXX XXXX as well as each credit bureau to no avail. Just before this reporting, I had two car loans from a XX/XX/XXXX Chapter XXXX Bankruptcy and XX/XX/XXXX Chapter XXXX bankruptcy that was removed from my credit report in XX/XX/XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, auto loans that were previously removed that were included in the bankruptcy. I have sent disputes multiple times XXXX, Experian and XXXX, this time around, I received an email their investigation will need more time, I assume because I attached each of the credit reports I've received from them dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I also sent them prove of my XXXX XXXX XXXX Payment History since day one where i've never been thirty days late, ever. They are still investigating the late pay for the fourth time, including the XXXX XXXX car loan that was deleted with my Chapter XXXX Bankruptcy XX/XX/XXXX with XXXX. All the while my credit score continues to suffer from their non compliance of the fair credit reporting 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 non-monetary relief