Consumer complaint received 2016-11-22
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The reason for this complaint is that Experian do not have the correct information on my credit report regarding my mortgage with XXXX XXXX XXXX XXXX XXXX XXXX. After several written requests, they no longer even investigate the inaccuracies. I am asking the CFPB to review the written evidence provided. If I am correct, I am asking the CFPB to assist me in making sure my credit reports with Experian is accurate. 
I purchased a home in XXXX XXXX for {$130000.00}. My mortgage was serviced by XXXX XXXX XXXX until late XXXX. XXXX was selected as my new servicer as a result of the XXXX Settlement in early XX/XX/XXXX. 
I was not able to make payments to XXXX XXXX XXXX from XXXX XXXX until XXXX XXXX and XXXX from XXXX XXXX until XXXX XXXX when a mortgage modification was approved. 
Due to the XXXX XXXX XXXX XXXX, I received an offer to modify the mortgage on my home with a reduction in principal. I received the offer letter via fax on XXXX XXXX, XXXX from XXXX. I contacted XXXX to get wire instructions to pay XXXX Later that day, I called my bank to request that a wire be sent for the amount of the three initial trial modification payments to XXXX. XXXX confirmed receipt of the funds less than three days later. The offer letter is included, the page of the bank statement that shows the payment for three months of the {$210.00} monthly payment ( total of {$650.00} ) and the relevant part of my credit reports that show the XXXX payment history are included. 
The mortgage modification agreement specified that I make payments of {$210.00} on or before XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All three months of payments were made on XXXX/XXXX/XXXX via a wire of {$650.00}. 
Trial modification payments are held in suspense accounts for the three months. During that time, no negative data should be reported to credit bureaus. Instead, XXXX reported that XXXX, XXXX and XXXX XXXX payments were at least 120 days late with Experian and XXXX, XXXX and XXXX XXXX were not reported at all. 
I am asking that the CFPB look at the modification offer, the copy of my XXXX XXXX bank statement and the Experian relevant entries regarding my credit that I have enclosed. I believe that Federal law requires that information from creditors be reported accurately to credit bureaus. 
I have made all payment starting from XXXX XXXX until today on time based on the offer from XXXX. If I am correct in my reasoning, I believe that it would be fair to have my credit report show either on-time payments beginning XXXX XXXX until today or XXXX, XXXX, XXXX XXXX showing no entry and XXXX XXXX until today should show on time payments on XXXX of my credit bureaus. 
I previously have contacted Experian and provided them the same information I have provided the CFPB. Experian contacted XXXX and left the data unchanged since it was " verified '' as correct. I asked how it was verified and the credit bureaus stated that they contacted XXXX. I do not understand how a reasonable person can see the information provided and state that my credit report is correct. I have enclosed proof that my payments were made on time. Please correct my report to reflect the dates I paid on time. I am not asking you to delete the dates where I paid late before XXXX XXXX, just to have the information reflect the accurate truth.

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