Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
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 disputing the 30 Day Late Payment for XX/XX/2020 that is being reported on my Experian Credit Report, The account name is XXXX. The reason for my dispute is because I never agreed to start the loan in was never 30 Days Late because when I went to XXXX XXXX XXXX  to purchase an appliance package for approximately {$9500.00} all I did was I fill-out a 90-day no-credit-check loan application on XX/XX/2020. 
Since I was only approved for 1/2 the amount. I left XXXX XXXX XXXX XXXX telling them that it's unfortunate but I don't have the difference to go through with the transaction. Two months later, on XX/XX/2020, I went back to the store hoping to make the {$9500.00} purchase by paying XXXX of the {$9500.00} to XXXX XXXX XXXX and getting the loan for the other XXXX from XXXX. 
The good news here is that that's exactly what happened, but the bad news is that XXXX charged me a {$50.00} application fee on XX/XX/2020, and reported that to Experian as a payment. Experian shows that I made a payment on my credit report for XXXX and XXXX and missed " XXXX by reporting me XXXX Days Late for XX/XX/2020. 
It is very simple explanation on what happened but neither XXXX or XXXX XXXX XXXX will take the blame for what happened here and my credit is whats suffering. Ive tried for over a year and a half disputing this and the results have been the same over and over again. The dispute remains the same. I am hoping that whoever is reading this, I cant explain it any more clearly than this : I never agreed to start the loan process from XXXX in XXXX of 2020, no matter what XXXX XXXX XXXX XXXX says, I did not received the appliances in XXXX or XXXX because I never had the money to pay the difference. 
It wasnt until XX/XX/2020 that I paid the difference to go through with the deal and it even shows on my credit report that XXXX received a payment in XXXX but you also show a 30 Day late Payment for XX/XX/2020. Like I said, that should not be because I never agreed to go through with the deal until XX/XX/2020 and like I said did not receive the appliances until I got the money to pay the difference and go through with the purchase in XXXX. 
I finally figured out what happened, XXXX XXXX XXXX received approximately of the {$9500.00} from XXXX in XX/XX/2020 when I got approved for the amount, but as said I never agreed to go through with the purchase because I did not know if I could come up with the difference. It wasnt until XX/XX/2020 when I got the money and went back to XXXX XXXX and paid them directly the difference that I went through with the transaction. I never agreed for Smart Buy Appliance to take the money from XXXX in XXXX and I didnt even know that Smart Buy Appliance took the money from XXXX XXXX XXXX. Thats the whole mix-up! 
This is exactly why I should not have a " 30 XXXX XXXX for XX/XX/2020 on my credit report. Please remove this negative Item from my credit report ASAP as I have been trying for over XXXX years to apply for a new mortgage loan and this is causing me serious financial hardship. I need a XXXX XXXX so my mortgage lender can approve me for the best interest rate before the rates start going even higher!

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