Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: CA
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:
Back in XX/XX/XXXX, there was a government shutdown which affected my business tremendously. I am a XXXX XXXX XXXX and I do a lot of XXXX and XXXX XXXX XXXX XXXX. Because of the shutdown, HUD and all of the government agencies were all closed which caused all of my loans not to fund. I work on 100 % commissions, so this halted ALL of my income that I make. I spoke to someone at XXXX and they told me that since my business was affected by the government shutdown, they would extend my payment for 60 days and that I would not be reported late on my credit report, I was assured of this. 

Once the government opened up towards the end of XXXX, my loans were able to move forward toward closing and once they did, I paid the TOTAL balance off. 

Well, a few months later after checking my credit, I saw that I had a 30 day late on my credit, and they did not follow through with they told me. They actually said I was 60 days late which was not true, and ALL of the bureaus were reporting a 30 day late except XXXX was reporting a 60 day. I looked even on my XXXX online account and XXXX was showing online a 30 day late on my report NOT a 60 as XXXX was the only one showing. 

I spoke to a few people even a supervisor complaining about this and they said they can not legally take it off because it was not XXXX fault which I completely disagree with. 

I have never, never been late on XXXX except for when the government shut down, and I have paid them at least XXXX to XXXX a year in payments since I had the card, so this is very unacceptable. 

I am currently trying to buy a house for my wife and my XXXX to have a nice place to stay, and my current lender will not do the loan with the late on my credit. 

I am a veteran and trying to do a VA loan, so I really need XXXX to follow through with what they said they would do. I need the late payment from XX/XX/XXXX to be taken off of my account due to a representative telling me incorrect information. 


Since I have always paid my XXXX on time and I spend much more than the average person with my XXXX XXXX, I think that they should take off the late payment, and I can set up autopay so that I never have this issue again. Having great credit is very very important to me, and I have worked very hard to get my credit in the 700s Whenever you call XXXX you are always connected so someone in XXXX, so maybe there was a language barrier and the representative gave me the incorrect information, but I am 100 % they told me they would put my payment off for 30 days. XXXX reports every 60 days, so I would have never had a late payment. 

Please help me get this off of my credit so that I can be able to finally get my wife and newborn the new home that I have always dreamed of. This will be my first home I have ever owned. 

Thanks so much XXXX 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