Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My mortgage payment history is not being accepted or reported by Experian. This credit bureau is the only credit bureau refusing to accept my payment history from my mortgage company, XXXX XXXX XXXX XXXX XXXX. 

I have contacted Experian regarding this issue several times over the past few months, I have spoken to staff and supervisors on the following dates : XX/XX/XXXX & XXXX XX/XX/XXXX & XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Promises have been made, but the issue is still not resolved and it is hurting my credit. I have been volleyed back and forth between my mortgage company and Experian. 

XXXX sent me a letter on XX/XX/XXXX indicating that the problem is Experian. Or is it XXXX XXXX XXXX? I received a letter from XXXX on XX/XX/XXXX saying they will get back to me my XX/XX/XXXX. 

I don't have confidence in either company. 

I hope that CFPB can resolve this issue so that I credit is protected and reported correctly. My social security number and addressed has been verified each time. This letter is primarily directed at Experian because they have broken every promise to resolve the problem. 

Just to give you some history. This has been a problem for months and poor service from Experian. On XX/XX/XXXX, I spoke with XXXX, a " supervisor '' with Experian. She was rude and she refused to escalate my complaint or provide her supervisor 's name and contact information. I explained that I have a letter from my mortgage XXXX XXXX XXXX stating that they are accurately reporting my mortgage payment history to 4 credit bureaus. Since XXXX, I have had pleasant conversations at Experian. I have talked with XXXX, XXXX, XXXX and XXXX and couple of other people. But no one has resolved the problem on any of the dates that are of record. 

TODAY, XX/XX/XXXX, I spoke with Supervisor XXXX at Experian Dispute Department XXXX. He asked me to call XXXX Mortgage company, and have them call Experian Credit File Services at XXXX. Why am I being bounced back and forth? 

I need help from agencies with the authority to intervene on my behalf. I have contacted my county auditor, and county attorney general. I also sent the same certified mail and called CFPD, and was told that I need to file a complaint against Experian and XXXX XXXX XXXX. 

I am an XXXXAmerican woman. On XX/XX/XXXX, I turned XXXX years old. I own the XXXX XXXX XXXX  company My company is almost XXXX years old. 

I have provided Experian with my driver 's license, auditor report, payment history for past 12 months. I have provided Experian with proof " mortgage payments '', an escrow statement. Everything indicating that I own my home/condominium. This is what Experian asked for and I provided it. 

I obtained a mortgage for this property in XXXX. I pay my loan to XXXX XXXX XXXX. My XXXX consists of 3 bedroom, 3 full bathrooms, Kitchen, great room, utility room and 2/1/2 car garage. It is a condominium. I have attached the county auditor report, which pays my taxes to XXXX XXXX XXXX The payment is public record. 

I am filing a complaint against Experian with the CFPB XXXX Consumer Financial Protection Bureau. 
Please resolve this issue. 

My score with Experian is 50-60 points lower than other credit reporting agencies : XXXX, XXXX, and XXXX. They are doing an excellent job of including my mortgage payments. I am working hard to resolve credit problems from a divorce 10 years ago, XXXX and time off to obtain an XXXX., and I am recovering from a XXXX. 

My mortgage is in good standing, and I am proud of making extra payments on my mortgage. I just paid off a 2nd car that I own. I have some credit issue to resolve and I am getting issues resolved. 

I want Experian to treat me fairly and to stop giving me the round around. 

Thank you very much for your time and consideration. At your earliest convenience, I look forward to hearing from CFPD regarding what you can do on my behalf to resolve this unfair treatment by Experian Credit Bureau who has broken every single promise to resolve the problem. Will you contact Experian and XXXX XXXX XXXX and get them working together? 

I bought my home almost 20 years ago. This is not reflected by Experian and it should be on the report.

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