Consumer complaint received 2017-06-06
Company: REGIONS FINANCIAL CORPORATION
State: AL
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:
I emailed XXXX XXXX on XXXX/XXXX/2017 about a late reporting on my credit bureau. She asked if I had filed a dispute and I told her that I had not, because I knew what the issue was. She emailed me on XXXX/XXXX/2017 asking for the details of my issue and she said that she would file the dispute with a member of her team. She stated that I would receive an answer to my response within 30 days. While waiting, I contacted XXXX in the collections department. I spoke with her on XXXX/XXXX/2017 about XXXX XXXX and asked her if she saw any XXXX day reporting on my file. She told me that she did not see any XXXX day late reporting. Before speaking with XXXX, I spoke with XXXX and she also told me the same thing. I received the answer to my dispute on XX/XX/XXXX and it stated that the decision was to leave my credit report unchanged and that the information was correct. I tried calling XXXX and she didnt answer, so I emailed her onXX/XX/XXXX about the letter that I received. She contacted me on XX/XX/XXXX at XXXX and informed me that the dispute was closed. I proceeded to explain to her again that I was not late. She then told me that she would have to forward my dispute to the complaints department. In less than hours after speaking with XXXX, I received a call from XXXX XXXX at XXXX who apologized to me for the derogatory reporting and he told me that he would have it corrected. At this point, I thought that the matter would be taken care of. I requested my credit report around the beginning of XXXX and the late was still there. I called XXXX and he stated that the correction was sent in on XXXX/XXXX/2017 and that it could take 30 days before it would actually update. I asked XXXX to send me something in writing stating that I wasnt late, he obliged and the letter is attached. I again requested my credit report in XXXX and it showed the same reporting. I called and spoke with XXXX again and she informed me that the file was closed and she asked it I had gotten the letter. I told her that I had spoken with XXXX and that he emailed me a letter concerning the late reporting. I also told her that he said that he was correcting my credit file. She asked for a copy of the letter and she told me that she would have to verify it with XXXX. She also informed me that XXXX was unable to change the information without sending the request to her department. I asked if she would call me back that day after she discussed the issue with XXXX. She told me that she had a busy day and she was going to a meeting, but she said that she would call me back. She didnt call that day as promised, so I called and spoke with XXXX the next day on XX/XX/XXXX and she told me that XXXX had taken a vacation day, but she did read XXXX notes and XXXX said that she would forward my email to the complaints department again, but the late payment would not be changed. I received another letter dated XX/XX/XXXX again from XXXX XXXX in the collections department denying my dispute.

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