Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX response to CFPB Complaint # XXXX has false, misleading statements and omits pertinent facts regarding it accurate reporting to credit bureaus. Also, XXXX provided several attachments. Including Loan Transaction History ( LTH ) for Period of XX/XX/XXXX- XX/XX/XXXX ( last transaction is XX/XX/XXXX ) .XXXX knew or should have known there are numerous inconsistencies between its response and XXXX Transaction History. It details a deferred principal forbearance of {$65000.00} and Modification beginning on XX/XX/XXXX and first monthly installment beginning on XX/XX/XXXX Interest Bearing Principal Balance was {$210000.00}. However, in its Response XXXX omits ( 10 ) transactions in its response. As verified on Page 13 of Transaction History : XX/XX/XXXX ( 1 ) ( Desc ) Misc Posting ( Total payment ) XXXX ( PMT/MO ) XX/XX/XXXX ( Principal Balance ) ( XXXX ) XXXX ; ( 2 ) ( Desc ) Principal Adjustment- ( Total Payment ) $ XXXX ( PMT/MO ) XX/XX/XXXX ( Principal Balance XXXX ) ; ( 3 ) ( Desc ) Due Date Adjustment ( Total Payment ) Payment XXXX ( PMT/MO ) XX/XX/XXXX ( Principal Balance {$280000.00} ; ( 4 ) Desc ) Principal Adjustment ( Total Payment ) {$65000.00} ( PMT/MO ) XX/XX/XXXX ( Principal Balance ) {$210000.00} ; XX/XX/XXXX, there are six ( 6 ) - 1 ) ( Desc ) Misc Posting ( total payment ) XXXX ( PMT/MO ) XX/XX/XXXX ( Principal Balance ) {$210000.00} ; 2 ) ( Desc ) Misc Posting ( Total Payment ) XXXX PMT/MO ) XX/XX/XXXX ( Principal Balance ) ( XXXX ) XXXX ; 3 ) ( Desc ) Misc Posting ( Total Payment ) XXXX ( PMT/MO ) XX/XX/XXXX ( Principal Balance ) XXXX ( 4 ) ( Desc ) Misc Posting Total Payment XXXX PMT/MO XX/XX/XXXX Principal Balance XXXX ; ( 5 ) ( Desc ) Misc Posting Total Payment XXXX PMT/MO XX/XX/XXXX Principal Balance XXXX ; ( 6 ) ) ( Desc ) Waive Adj/Late /chrg ( Total Payment ) XXXX ( PMT ) XX/XX/XXXX ( Principal Balance ) XXXX, XXXX response re :  discrepancies its report and XXXX reporting XXXX states : XXXX XXXX    XXXX is unable to comment on action taken or control unaffiliated third parties statement and/or actions as indicated in your complaint. Therefore, XXXX XXXX XXXX is unable to comment regarding the credit reporting information sent from XXXX XXXX XXXX. Additionally, XXXX XXXX XXXX is unable to comment on what the credit reporting agencies require financial institution institutions report So, I contacted XXXX XX/XX/XXXX. I received XXXX WEB History for Account XXXX period XX/XX/XXXX to XX/XX/XXXX : On XX/XX/XXXX three ( 3 ) transactions. Full details on Page 10 of 17of report. ( 1 ) ( Trans amount ) - XXXX ( Trans Desc ) Payment : Escrow Only Cash ( Date Paid ) XX/XX/XXXX ( Prin Paid ) XXXX ( Prin Bal )  {$230000.00} ( 2 ) ( Trans Amount ) {$65000.00} ( Trans Desc ) Acq to Prin and/or int ( Date Paid ) XX/XX/XXXX ( Prin Pd ) {$65000.00} ( Prin Bal ) {$160000.00} ; ( 3 ) ( Trans Amount ) $ - {$48000.00} ( Trans Desc ) Acq Adj to Prin and/or int ( Date paid ) XX/XX/XXXX ( Prin Paid ) XXXX ( Prin Balance ) {$210000.00} ; on XX/XX/XXXX six ( 6 ) transactions : 1 ) ( Trans Amount ) $ XXXX ( Trans Desc ) Payment : Late ChrgOnly-Cash ( Date Paid ) XX/XX/XXXX ( Prin Pd ) XXXX ( Prin Bal ) {$210000.00} ; 2 ) ( Trans Amount ) {$28.00} ( Trans Desc ) Acq Fee Waiver w/late ) ( Date Paid ) XX/XX/XXXX ( Prin Pd ) XXXX ( Prin Bal )  {$210000.00} ; 3 ) ( Trans Amount ) {$660.00} ( Trans Dec ) Payment : Escrow Only-Cash ( Date Paid ) XX/XX/XXXX ( Prin Paid ) XXXX ( Prin Bal ) XXXX ; 4 ) ( Trans Amount ) $ XXXX ( Trans Desc ) Acq Distr from UnappliedFunds/Supp ( Date Paid ) XX/XX/XXXX ( Prin Pd )  XXXX ( Prin Bal ) {$210000.00} ; 5 ) ( Trans Amount ) {$90.00} ( Trans Desc ) Reversal Pymt Late Chrgs Only- Cash ( Date Paid ) XX/XX/XXXX ( Prin Pd ) - XXXX ( Prin Bal ) {$210000.00} ; 6 ) ( Trans Amount ) {$28.00} ( Trans Desc ) Payment : Prin Only-Cash ( Date Paid ) XX/XX/XXXX ( Prin Pd ) {$28.00} ( Prin Bal ) {$210000.00}. XXXX transferred servicing of loan to XXXX on XX/XX/XXXX, prior to that date loan history was under the control of XXXX  XXXX XXXX. According to XXXX history, as of XX/XX/XXXX ( date of transferred the principal balance was {$210000.00} When XXXX transferred loan back to XXXX on XX/XX/XXXX Principal balance was XXXX. As of XX/XX/XXXX, Principal Balance on XXXX on-line Transaction History, ( including New Worth, Payment Detail, and Acct Detail ) is XXXX, XXXX XXXX knew or should have known of the Nineteen ( 19 ) combined transactions referenced above. Therefore, XXXX knew or should have known of Principal Adjustment of {$65000.00}, was debited and credited, on XX/XX/XXXX. XXXX   XXXX XXXX has an obligation under state and federal Fair Credit laws  to correct the record immediately.

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