Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: AL
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, Experian and XXXX are all reporting me as late for my account with XXXX XXXX which is Covid Protected and should reflect as no data and not past due or late. Currently XXXX is showing as 149 days late and past due from XX/XX/XXXX to XX/XX/XXXX, XXXX is showing 180 days late and past due from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX and Experian is showing 180 days from XX/XX/XXXX to XX/XX/XXXX this is inaccurate reporting, and I am being treated unfairly and feel singled, out this is financial abuse and irresponsibly reporting to my credit report. XXXX XXXX admitted that my account was supposed to be entered into a Covid Protected Status but it was inadvertently removed in XX/XX/XXXX. Here is the findings from the XXXX XXXX investigation. " XX/XX/XXXX Via CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AL XXXX RE : CFPB Case No. XXXX XXXX XXXX Account XXXX. XXXX Dear XXXX XXXX, Thank you for your feedback. On XX/XX/XXXX my colleague, XXXX, attempted to contact you to discuss this matter further but was unable to reach you. I am sorry to hear that you have been affected by the pandemic. XXXX XXXX understands that have concerns about the credit reporting associated with your account after having set payment arrangements. We are happy to help and hope this letter will resolve your concerns. First, I am sorry to hear you have been impacted by COVID, and I hope this letter finds you safe and healthy. XXXX XXXX created its COVID Protected Status to help our customers who have been negatively impacted, either financially or medically, by the pandemic. This protected status provided a variety of account benefits, such as frozen credit reporting, no late fees, no repossession activity, and reduced collections activity. To become eligible for these account protections, a customer only needed to express his or her COVID impact to us. We added you to our COVID Protected Status in XX/XX/XXXX but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/XXXX. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/XXXX through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a XXXX XXXX customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX. '' In accordance with the Fair credit reporting act XXXX, Experian and XXXX has violated my rights 15 USC 1681.A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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