Consumer complaint received 2018-04-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I first want to state that most consumers are good, honest, hard working people. Most people pay bills late and find themselves in delinquent status not because they are terrible human beings but mostly because it is very difficult for even the hardest working people to keep their heads above water. 
My issue is with XXXX XXXX XXXX. On XX/XX/XXXX XXXX reported me to all three credit bureaus as being 60 days delinquent with my student loan account. My monthly payment is XXXX. On XX/XX/XXXX one day before I was reported as being 60 days delinquent I paid XXXX. This was to cover billing for one month and to decrease my delinquency to less than 60 days. ( I have to scrape the money together every month ) This is because XXXX reports to the bureaus every 30 days, but they only report negatively at 60 days delinquent. As of XX/XX/XXXX when I made the payment my account was less than 90 days delinquent. I paid more than my monthly payment to ensure that I would be less than 60 days delinquent at the end of the month. 
I called XXXX to inform them of their mistake as it relates to my credit report. I was told by customer service reps and their supervisors that there was a system era. My payment on the XXXX  day of the month for some reason did not post to the system before the system automatically reported me as 60 days delinquent. This is despite the fact that their system as well as my online account with XXXX shows the payment date was XX/XX/XXXX. I was informed that although I was the victim of a lag in the reporting system I would still have to dispute the information with the credit bureaus. This is where I objected because I do not understand why I have to file a dispute that will be notated on my credit reports when XXXX acknowledged the mistake numerous times over the phone. I also noted that the credit bureaus are un-American in their practices. They operate under a guilty until proven innocent system. After speaking with several supervisors to no avail I was transferred to what I was told was a higher level supervisor. She informed me that the reporting was accurate. This is despite the numerous representatives that admitted otherwise prior to her ( XXXX ) taking over the call. The supervisor said that although their system reflects differently technically my payment covered all but XXXX dollars of XXXX. I covered all of XXXX and all but XXXX dollars of XXXX. So technically according to the supervisor the reporting was correct. I don't know how or why her explanation differs from what is showing in their system. As of today XX/XX/XXXX XXXX 's system shows me as being 32 days delinquent. If the supervisor is correct and I technically did not satisfy enough delinquency then why did my days of delinquency decrease in their system. I have not made a payment since XX/XX/XXXX. Why is my delinquency not more than 60 days as of today XX/XX/XXXX if I was 60 days past due as of XX/XX/XXXX which is 1 day after I made my payment. The supervisor had no explanation. 
Here is the most important part of the entire complaint. If the supervisor and XXXX are correct and technically I did not satisfy enough delinquency before the end of XXXX then let 's for the sake of argument concede that I am supposed to somehow know that their system generated information is flawed. Lets take a simple look at the calendar. 
XXXX agrees that I satisfied all of my delinquency for XXXX. Now lets go to the calendar. 
There are 28 days in XXXX There are 31 days in XXXX XXXX reported me as 60 days past due on XX/XX/XXXX. 
Lets add the days. 28 plus 31 is 59. So on XX/XX/XXXX even if I concede the era with their system and my actual delinquency, XXXX can not change the Calendar. XXXX reports at the end of each month and as of XX/XX/XXXX if we consider my explanation or the explanation of XXXX at most under any circumstance I was 59 days past due as of XX/XX/XXXX of course is less than 60. 
For the record I agree with their accounting system and not the explanation of the supervisor.

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