Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  reported my mortgage account as past due 180 days late ( XXXX ) after receiving GA Home Assistance Fund ( HAF ) on XX/XX/XXXX. I called XXXX XXXX  XXXX that my account was reported late 180 days and representative I spoke with stated my account shows " Never Late '' and it would be corrected and to file a complaint for XXXX XXXX. review. 

XXXX  XXXX XXXX transferred my account to XXXX XXXX  on XX/XX/XXXX and I started to submitted payments to XXXX XXXX  going forward ( XXXX, XXXX, and XX/XX/XXXX ). I called XXXX XXXX  XX/XX/XXXX to make a payment and they refused my payment and asked for past due past due balance of {$28000.00}. I called back XX/XX/XXXX and representative tried to encourage me not to make a payment due to account was under Modification review and I explained to the rep the I want to make a mortgage payment and rep accepted my payment in the amount of {$1200.00}. I called in the months of XX/XX/XXXX and XX/XX/XXXX and made payment of {$1200.00} and again rep tried to encourgage me not to make a payment due to account was under Modification Review and I expressed to XXXX XXXX  that I have applied in my state ( Georgia ) for Home Assistance Fund and XXXX XXXX  ask if I would prefer HAF over Modification and I told the rep that I would select HAF instead of the of Modification. When HAF submitted payment and bought my account current then XXXX XXXX  reported my account as 180 days late ( I had only been a customer for 150 days - ( XXXX XXXX- XX/XX/XXXX ) ). After disputing report XXXX XXXX. 180 days reporting it was changed to 90 days late ( XX/XX/XXXX- XX/XX/XXXX ), which was still incorrrect. I never had a late payment with XXXX XXXX  ( payment history is attached ). My credit score was reduced by XXXX points. XXXX XXXX  incorrect reporting took my creditibility from Very Good ( XXXX ) to Poor ( XXXX ). 

HAF submitted payment of {$33000.00} to bring my account current and 3 additional mortgage payments, which would have been from XX/XX/XXXX to XX/XX/XXXX then the 3 additional payments would have been for XXXX, XXXX, XX/XX/XXXX ( not including my payments made in XXXX, XXXX, XXXX, XX/XX/XXXX ). XXXX XXXX applied HAF payments received from XX/XX/XXXX instead of XX/XX/XXXX. My XXXX payments ( 1 to XXXX in XX/XX/XXXX ) submitted was in the amount of {$5100.00} ( XXXX ) should have extended my next payment out to XX/XX/XXXX ( maybe XX/XX/XXXX due to change of monthly payment due to taxes ), but XXXX has my next payment XX/XX/XXXX. The representative I spoke with about the HAF payments stated payments would have started XX/XX/XXXX if I would not have made payments, and that is the reason account is not showing next payment in XX/XX/XXXX or XX/XX/XXXX, and as well tax payment of {$2800.00} was withheld ( for taxes due in XX/XX/XXXX ) but a surplus Escrow of {$370.00} will be mailed to me. I called XXXX XXXX  XX/XX/XXXX and representative told me that surplus Escrow of {$370.00} will be returned back to GA HAF because it is their funds and not mine inspite I have submitted payments of {$5100.00} and I was not entitled to the surplus Escrow. 

Also I would like to know what is the Default Cost of {$120.00} assessed to my account on XX/XX/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 non-monetary relief