Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I am writing to address a matter of utmost importance regarding the mis-reporting of my account to the credit bureaus by XXXX XXXXXXXX XXXX This erroneous reporting has resulted in significant hardship for me, and I am seeking assistance in resolving this matter promptly. 
As a consumer, I am entitled to fair and accurate credit reporting in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ). Regrettably, XXXX XXXXXXXX has failed to fulfill its obligations to provide accurate reporting, and it is imperative that I bring this issue to your attention. 
Specifically, I have noticed that XXXX XXXX  had recorded my account as 30 days late for the month of XXXX, XXXX, XXXX, and XXXX despite the fact that those months had not yet concluded when reported late. This is not an isolated incident ; its been happening ever since I was required to pay via certified check. Moreover, I must emphasize that XXXX XXXXXXXX has neglected to consider my payment date of the XXXX, any grace period days, or postmark dates. Of particular concern is the fact that XXXX XXXXXXXX has disregarded postmark dates for both incoming and outgoing correspondence. These inaccuracies in reporting have compelled me to file disputes with the credit bureaus, yet XXXX XXXX has failed to rectify the errors in question. 
Additionally, I would like to draw your attention to an incident involving a lost check. A check sent on XX/XX/XXXX, as verified by certified mail tracking, was received by XXXX XXXX on XX/XX/XXXX. However, the company marked the check as received on XX/XX/XXXX, which is 20 days after the postmark indicated its receipt. This incident has caused further distress and hardship for me. 
I am deeply disappointed by the mishandling of my account and payment history by XXXX XXXX. It is of utmost importance that these inaccuracies be corrected without delay to prevent further negative impacts on my credit score. I have attached a screenshot of my Experian credit report, which clearly shows five late payments, including the XXXX XXXX late entry as of XX/XX/. Furthermore, please note that although XXXX XXXXXXXX assured me that they would rectify the reporting with the credit bureaus, the necessary corrections have not yet been reflected in the report. At present, my credit report indicates a 30-day late payment for XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX  ' mishandling of my account and payment history has made it exceedingly difficult for me to seek assistance. The significant damage inflicted on my credit report has resulted in my inability to qualify for credit, and if I do manage to secure credit, I am burdened with substantially higher interest rates due to my credit score. This, in turn, forces me to pay more for various financial obligations. Furthermore, I must highlight that XXXX XXXX recommended that I explore assistance through HUD and other programs. However, when I reached out to these programs, I was informed that XXXX XXXX does not participate, rendering me ineligible for support. Despite my efforts to seek clarification on this matter via email, XXXX XXXXXXXX did not respond, leaving me without the help I desperately needed. Consequently, XXXX XXXX  has caused significant harm and disruption to my life. 
In light of the aforementioned circumstances, I earnestly request that XXXX XXXX takes immediate action to address and rectify these issues in accordance with the guideline outlined in the fair credit reporting act. I kindly urge you to provide a timely response to this matter, as it is crucial for the resolution of the inaccurate reporting and the subsequent restoration of my credit score. 
It is my hope that by engaging with the appropriate regulatory authorities, the severity of the issue will be duly recognized, and the appropriate measures will be taken to rectify the damage caused. 
Thank you for your immediate attention to this pressing matter. I trust that you will undertake the necessary steps to address and rectify the inaccurate reporting promptly with all major credit bureaus. 
Respectfully, 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