Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: IN
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 have 17 open accounts with XXXX XXXX that were placed in forbearance as part of the Cares Act back in XXXX of XXXX. Over the course of the past two months my credit scores have plummeted ( in excess of 50 points ) as the information reported to the credit bureaus has been inaccurate - resulting in me no longer qualifying for a mortgage I was pursuing. I have made numerous calls to XXXX in an attempt to get this corrected. During one call I was advised it was a credit bureau issue and to file disputes with all three agencies, which I did and they're still under investigation. During another call I wasn't getting any resolution through the XXXX agent and requested a supervisor. The supervisor advised me of an option to submit a credit dispute directly through XXXX, which has to be done through the mail. During the most recent call with XXXX, the agent began laughing as I was asking a question relative to the latest information being reported by XXXX to the credit bureaus. Below, is a breakdown of the discrepancies from each credit report obtained from XXXX, XXXX, and Experian ( PDF also included showing examples ) : XX/XX/XXXX XXXX  - Account Status - Closed, Payment Status - Pays Account As Agreed, Comments - Payment Deferred, Payment History - No XXXX Payment History Reported XXXX  - Account Status - Open, Payment Status -Pays As Agreed, Payment History - No Payment History Reported for XXXX Experian XXXX Account Status - Open, Payment Status - Current, Was 180 Days Past Due, Comments - Payment Deferred & Account in Forbearance, Payment History - XXXX Payment History Reported XX/XX/XXXX XXXX  XXXX Account Status - Closed, Payment Status - Pays Account as Agreed, Comment - Payment Deferred, Payment History - No XXXX Payment History XXXX  XXXX Account Status - Closed, Payment Status -Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX Experian - Account Status - Closed, Payment Status - Current, Was 180 Days Past Due, Comment - Payment Deferred, Payment History - XXXX Payment History Reported XX/XX/XXXX XXXX  - Account Status - Closed, Payment History - Pays Account As Agreed, Comment - Payment Deferred, Payment History - No XXXX/ XXXX Payment History Reported Transunion - Account XXXX - Closed, Payment Status - Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX, XXXX or XXXX Experian - Account Status - Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported XX/XX/XXXX XXXX  - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX XXXX  - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX Experian - Account Status XXXX Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported

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