Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: SC
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:
I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX and Experian. Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my Experian credit report with incorrect/missing info. The accounts are listed below : XXXX XXXX ACCT and XXXX XXXX Experian Acct XXXX XXXX ACCT and XXXX XXXX Experian Acct More specifically, I am referencing the fact that you are reporting " an incorrect high balance '', " not applying my payments correctly ", " reporting old debt as new '', " an incorrect account number '', " an undated late pay '', " a missing field of 81 month account payment history '', " the wrong account type '', " an incorrect credit limit '', " a late pay after account was closed '', " an inaccurate date of last activity '', " an inaccurate date of last update '', " an inaccurate reporting date ''. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Experian and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. Attachments : XXXX XXXX payment history from XX/XX/XXXX- XX/XX/XXXX. The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : XXXX XXXX payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. 
Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late.

I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.

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