Consumer complaint received 2022-07-03
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: Was not notified of investigation status or results

Complaint:
I have mailed XXXX XXXX XXXX XXXX letters requesting an investigation into my mortgage account and requesting a correction of the wrong and very negative information they have reported to Experian, XXXX, and XXXX. 

I have been trying to get answers from XXXX since XX/XX/XXXX. The last letter I mailed to them was XX/XX/XXXX. I have received absolutely NO RESPONSE AT ALL. 

I have not had anything corrected on my credit report and no investigation report or explanation as to why they believe the information is accurate. 

I cant even get an accounting of my mortgage from them. XXXX nearly made me lose my home through foreclosure. I wanted to modify my mortgage in XXXX but I was told that they only modified loans if I was behind on my payments. I was told that once I was 3 months late I could apply for a loan modification. I did as I was told and was placed on a trial LOAN MODIFICATION in XX/XX/XXXX. 

After 3 months I was told I did not qualify and sent a NEW PACKET and had to RESTART the PROCESS. I started the process over and then placed on a 7 month loan modification but during the loan modification I was getting notices that my home was about to be foreclosed. Again I was told to restart. During XXXX I started getting generic letters from what looked like Bankruptcy lawyers and tons of real estate agent 's flyers asking if I wanted help with selling my home before foreclosure. Or promising me MORE TIME to save my house. I was desperate! 

In XXXX, I was told I wasnt making my payments even though I WAS making the payments. I called XXXX almost every day and waited hours just to talk to someone every representative would give me different information and at the end of the conversation nothing was resolved. I hired what seemed to be an attorney but later I found out they were document preparers, anyway they promised to help me modify my mortgage. I paid them {$320.00} to start and sent them all my documents but everytime I called to ask for the status they would brush me off. 

I was strung along from XX/XX/XXXX to XX/XX/XXXX, by XXXX, document preparers, lawyers and real estate agents all who knew I was desperate to save my house. 

In XX/XX/XXXX I called XXXX of the attorneys who mailed a letter to my house saying they could help me stop foreclosure but they wanted {$5000.00}. I called this real estate agent that if I paid them {$700.00} and they offered to " walk me through '' filing XXXX XXXX. They helped me fill out the XXXX  XXXX documents but I was told I had to say noone helped me and I was told I couldnt say I paid anyone since they were just showing me " how to do it '' and they warned that if I told the court, Riverside CA Bankruptcy court, they would dismiss my case. They were so shady that after I submitted the application, I was scared to commit fraud so I did not pursue the application for XXXX XXXXXXXX. 

XXXX has left me desperate and without answers. I almost lost my home because of them and STILL, I HAVE NO ANSWERS. 

Why were they reporting me as not making payments when I WAS MAKING PAYMENTS? 

Where were my payments going? Why can't I get a summary of my payments made / HISTORY of PAYMENTS RECEIVED from them? AND LASTLY, the record that I do have access to is my credit reports. Why were they reporting this inaccurate information to Credit Bureaus? 

XXXX has failed to fully and properly investigate my disputes that my payments were not made. They have left me in the dark about the accounting of my mortgage. They have reported negative information about me to Experian, XXXX, and XXXX even though they KNOW that this information is INACCURATE and still have failed to correct this information. 

I was making all my payments until they said I had to be XXXX payments / months behind to start a LOAN MODIFICATION so XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I did not send my mortgage payment so that I could start the process and get a lower payment. 
I made ALL MY PAYMENTS after that. 

I cant get anyone at XXXX to help me clear this off my credit report and explain why they almost made me lose my house by reporting that I wasnt making my payments when I was! 



The payment history is incorrect. 

Late payments ARE REPORTED INACCURATELY AS LATE! PLEASE DELETE THEM : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2016

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 non-monetary relief