Consumer complaint received 2020-08-06
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:
This complaint is about Experians investigation results to correct an error on my credit report regarding my XXXX Account ( VA home mortgage account ). 

On XX/XX/2020, I submitted a credit dispute with Experian based on their erroneous credit reporting on my XXXX Account showing inaccurate information that my Account was in forbearance. 
On XX/XX/2020, Experian completed their credit dispute investigation to correct the errors on my XXXX Account, but came back as Remains '', therefore, they have failed to remove the forbearance off my credit report on my XXXX Account. The results on my credit report AFTER their investigation still indicates that my XXXX Account is in forbearance by failing to remove any forbearance history. 

I am disputing Experians investigation results because my mortgage servicer, XXXX, failed to correct their error AFTER they ERRONEOUSLY REPORTED that my account was in forbearance back in XX/XX/2020. 

However, as of XX/XX/2020, XXXX finally corrected their error by removing the forbearance off our XXXX Account and reported this to all the major consumer credit reporting agencies, only after we filed a complaint with CFPB. ( Please see attached Letter from XXXX dated XX/XX/2020 ). 

Therefore, our XXXX  ACCOUNT WAS NEVER IN FORBEARANCE AND SHOULD NEVER HAVE BEEN REPORTED IN FORBEARANCE, BUT FOR XXXX  NEGLIGANCE. 

In addition, on XX/XX/2020, XXXX also sent us a letter stating theyve removed our account off forbearance. ( Please see attached Letter from XXXX dated XX/XX/2020 ). 

I AM DEMANDING THAT EXPERIAN CORRECT THEIR ERROR ON MY XXXX ACCOUNT BY REMOVING THE FOLLOWING 3 ERRONEOUS ITEMS OFF MY CREDIT REPORT INDICATING FORBEARANCE ( Please see attached 3 Items to be removed on my Experian Credit Report AFTER Dispute Results Dated XX/XX/2020 ) : 1 ) In " TERMS '' Section REMOVE NA and replace with 360 Months, 2 ) In " COMMENTS '' Section REMOVE Account information disputed by consumer ( Meets requirement of FCRA ) and LEAVE BLANK, 3 ) In REINVESTIGATION INFORMATION Section REMOVE This item remained unchanged from our processing of your dispute in XX/XX/2020 and LEAVE BLANK. 

We are currently trying to refinance our VA home mortgage and obtain a new home loan at a much lower rate with other lenders, but we are unable to do so because my XXXX  ACCOUNT WAS ERRONEOUSLY REPORTED IN FORBEARANCE BY XXXX AND EXPERIAN HAS FAILED TO REMOVE THE FORBEARANCE OFF MY CREDIT REPORT. I am demanding that Experian immediately correct the above errors by removing inaccurate information as this is preventing us from working with any lenders to our detriment. 

Please See the Following Attached Supporting Documents : 1 ) Experian Credit Report AFTER Dispute Results Dated XXXX 2 ) Letter from XXXX Removed Forbearance Dated XXXX 3 ) Letter from XXXX Account Removed From Forbearance Dated XXXX 4 )  XXXX  Acknowledgment Email - Removed Forbearance Dated XXXX 5 ) XXXX   Acknowledgment Email - Cancelled Forbearance Dated 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