Consumer complaint received 2017-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
First of all, I am a long term, loyal customer of XXXX XXXX. I have been devastated and hurt by XXXX XXXX and I am reaching out to you because I can not seem to get help through customer service without excuses, multiple dropped calls, transfers, and red tape. <P/>In 2015, I had a mortgage with XXXX loan # XXXX. I had a short sale which involved extenuating circumstances. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three weeks later there was a copycat incident next door ; however the parolee was arrested and sent to prison. Needless to say my property value plummeted. I continued to make payments for nearly a year and was advised that in order to do a short sale I had to stop making payments. Up to that point I was making payments on TWO XXXX mortgages. <P/>The house finally sold as a short sale in 2015 with XXXX receiving ALL MONEY owed. This was not a foreclosure sale although foreclosure process had begun. I worked very closely with XXXX and my realtor. In fact, in the middle of this, XXXX refinanced my other mortgage on my XXXX XXXX property! <P/>Recently I tried applying for a mortgage only to find out that XXXX listed this on my credit report as a foreclosure, completely destroying my chances of a home loan. <P/>I have made numerous calls to XXXX. At one point a couple days ago, someone sent me a letter acknowledging the mortgage was paid in full. I called back to ask for another letter clarifying it was not sold as a foreclosure and was told " no '' because the record was purged! <P/>I am shocked I can not get any assistance from XXXX. I was told that the information on this loan was " purged '' or archived because it was so old. I have been given a big runaround and can not get any anyone to help me. <P/>I tried getting a mortgage from XXXX, and they are avoiding me and not returning my calls. I finally found out from a loan agent in another company that XXXX deemed this sale a FORECLOSURE so a home loan was not feasible. However, I would have qualified for a loan even with the short sale because I have an excellent history of paying my mortgages, and this was a short sale in 2015 with extenuating circumstances. <P/>I would like XXXX to please correct my credit report AND please write me a letter saying that the " property was paid in full and sold not as the result of a foreclosure ''. Please do not deprive me of my right to home ownership. <P/>I would have preferred simply to get a mortgage from XXXX but nothing looks possible now. <P/>I have always spoken so highly of XXXX XXXX, entrusted them with all my accounts, and felt like the institution looked out for me. Even during negative press about bad loans etc I was singing their praises about what an upstanding, honest loyal company you were. <P/>Please help me. The loan number was XXXX The address was XXXX XXXX XXXX XXXX CA XXXX My phone number is ( XXXX ) XXXX. My current address is XXXX XXXX XXXX XXXX CA XXXX Thank you in advance for any help you can offer. <P/>XXXX XXXX ( XXXX ) Sent from my XXXX

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