Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Sir or Madam, For the last 9 months I have contacted my mortgage company, XXXX on 6 separate occasions requesting them to correct, incorrect reporting on all 3 of my bureau reports. I subscribe to a service that allows me to monitor all 3 of my reports and shared this information on all occasions with XXXX. 
1. As of XXXX, XX/XX/XXXX I spoke with XXXX from XXXX to discuss the problem on my account # XXXX, which reports a 90-day delinquency in XXXX of XXXX from XXXX, a 90 day delinquency in XXXX of XXXX from XXXX, but no reporting from Experian. I also uploaded a letter to their site outlining the call. 
2. XX/XX/XXXX, XXXX-uploaded a letter on their website requesting that they correct the reporting. I saved a copy. 
3. On XX/XX/XXXX @ XXXX I sent XXXX an email to their XXXX site, requesting corrections and attached copies of my credit reports and my spouses who is a co-borrower. On XX/XX/XXXX I received a template email that it had been received. 
4. OnXX/XX/XXXX@XXXX. I emailed them again requesting a response and correction with no response. Template email received 5. In early XXXX, I uploaded a 3rd letter with copies of my credit reports to support my dispute of incorrect reporting. 
6. I received a letter dated XX/XX/XXXX form XXXX stating that they had tried to contact all 4 credit bureaus but could not confirm whether any delinquencies were reported by the credit bureaus as our reports were masked due to the Chapter XXXX bankruptcy. I sent them copies from all 3 bureaus. 
7. XXXX XXXX I contacted XXXX and spoke to my representative XXXX to follow up and she had no answers for me. 
8. On XXXX XXXX. I sent yet another email to their customer service email address with copies of my credit report with no response to date. 
CREDIT DISPUTES 1. In XXXX I sent a letter of dispute via certified mail to each credit bureau. I received responses from 2. 
a. Experian XX/XX/XXXX ( report XXXX ) reported Open/Never late for my XXXX mortgage b. XXXX   XX/XX/XXXX ( XXXX ) Late 90 days delinquent, verified by lender c. XXXX-No response but my credit report states Late 90 days 2. On XX/XX/XXXX I sent a second round of disputes to each and have not received a response to date. 
3. My spouse ( XXXX XXXX XXXX XXXX ) and co-borrowers credit is reporting current for all 3 bureaus. 
Here is where it gets somewhat convoluted. My spouse ( co-borrower ) and I filed a Chapter XXXX bankruptcy in XXXX of XXXX due to my XXXX XXXX medical bills and entered into loan modification with XXXX. Our original loan with them was account # XXXX. After the loan modification we were issued a new loan # XXXX. Both bureaus have the loan numbers mismatched. 
Respectfully, I have tried phone calls, emails, uploading and certified letters with only 1 response from XXXX, which I believe to be fraudulent as we are all abele to access the credit bureaus with a 60 day delayed response. My spouse and I have been working very hard to increase our credit scores so that we may refinance and seek another lender. I believe XXXX is aware of this and is purposely stalling and being non-responsive. 
Lastly, we have contacted all 3 credit bureaus and they have not made any changes per the lenders confirmation. 
Please correct my report to read as current. 

Best regards, XXXX XXXX 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