Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: TX
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:
Letter of Explanation to Creditors and Credit Reporting Companies To whom it may concern, I am a XXXX-year-old XXXX XXXX veteran and XXXX XXXX. I own several businesses including an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am currently a XXXX XXXX with an XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These operations are often robust, without connectivity in foreign and developing countries, and extremely dangerous. 

During the time periods of XX/XX/XXXX through XX/XX/XXXX AND XX/XX/XXXX through XX/XX/XXXX, I was XXXX XXXX in XXXX XXXX working in the XXXX XXXX XXXX XXXX. During this time, I worked at the XXXX XXXX XXXX learned the XXXX language, had limited to no access to the internet, and conducted operations in support of XXXX XXXX XXXX supporting our XXXX XXXXXXXX to XXXX as well as providing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also XXXX  and supported several other entities, agencies, and organizations conducting similar types of operations in the region. 

During those time periods, several accounts had late-pays due to me not having connectivity. My wife normally would help me with ensuring that my accounts were all paid, however, as an XXXX XXXXXXXX XXXX XXXX, working full time and raising our XXXX children, XXXX ( XXXX ) and XXXX ( XXXX ) ; as well as her going on several XXXX for XXXX XXXX XXXX throughout the U.S. while I was XXXX, she was often unable to service these accounts on my behalf. 

The accounts with late pays were as follows : XXXX ( sent to collections, only a {$250.00} payment due ) XX/XX/XXXX, XXXX XXXX XXXX ( a {$110.00} balance due ) Late Pays XX/XX/XXXX, XXXX XXXX ( a {$2000.00} balance due ) Late pays XX/XX/XXXX, XXXX XXXX XXXX  payments ( {$3700.00} due per month, missed for 3-4 consecutive months. Late Pays XXXX and XX/XX/XXXX, then XXXX and XX/XX/XXXX we have tenants in that property in Hawaii, total rents collected are more than {$8000.00} per month, over double the amount required to service the loan ). 

My wife and I while both working full time as service members, including our rental income and business income earn {$300000.00} per year in income. These amounts that were missed were circumstantial and since I was XXXX without connectivity, and she was raising our XXXX kids at home and travelling as a full time and XXXX XXXX  XXXX XXXX. 

We have always done everything in our power to be responsible, operate in good faith, maintain high morals and standards, and serve our countries. It seems like a failure in our system that these unfair credit remarks were made against me while I was overseas ( missing the XXXX  of my son ) away from my family and friends fighting for the freedoms we can all enjoy each and every day. 

I respectfully ask that you consider my circumstances, my moral character, and my request to strike these derogatory remarks from my credit profile. 

Thank you, sincerely, for taking the time to learn about my circumstances and for your careful consideration in removing these remarks from my credit profiles.

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