Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX on XX/XX/XXXX and spoke its representative, XXXX, at telephone number XXXX. She reviewed the account stated that she would send me the loan information by mail including the promissory note. I informed her that I had submitted a CFPB complaint in XXXX and XXXX and had received responses from XXXX stipulating the loan was put on hold due to a bankruptcy lawsuit in XXXX. She mentioned that the loan was initially {$7000.00}. It has ballooned to {$18000.00} since it has been on hold in XXXX 's bankruptcy lawsuit by other plaintiffs. XXXX also mentioned that the forbearance interest grown within that 9 years should've been assessed based on the filing of bankruptcy by the borrower, and I have never filed for bankruptcy. 
XXXX has not explained why it put this account on hold for 9 years on a bankruptcy lawsuit hold and allowed it to grow in high forbearance interest. 

XXXX with XXXX on XX/XX/XXXX told me that she would send a credit retraction to the credit bureaus after collecting {$1200.00} from me to bring the account up-to-date -- after I had not been informed of when the account would be out of the bankruptcy lawsuit hold that XXXX placed the account in for 9 years. XXXX debited the {$1200.00} from my bank account but has apparently deleted the record from their system of XXXXXXXX XXXX planned credit retraction with the credit bureaus based on my conversation today with another XXXX representative. 

I have been getting the runaround from XXXX 's Customer Advocate, XXXX XXXX, XXXX. I have several email communications with her where she instructed me to call her at a given number, but upon my call, she was not listed in the XXXX system by the name she provided ; so the representative initially could not find her ; after several attempts by the XXXX rep, he was able to contact her, but she would not take my call on that day. She responded to my email stating she had technical problems but gave me a time and date she would be available to call me, but, again, she did not call me on the date and time she selected. I sent her another email about missing the appointed time/date ; she emailed me back and gave me the same story about technical problems. This has been going on for XXXX weeks with XXXX XXXX avoiding my calls or blatantly and deceptively giving me the runaround. XXXX XXXX and XXXX are acting like they are above the law. And after being sued by multiple plaintiffs and after a XXXX state attorney generals lawsuit and settlement for predatory lending practices, XXXX continues to behave in a disreputable manner. XXXX through its representative, XXXX XXXX, are abusing their power as holder of this forbearance loan. They have not retracted the late status with the credit bureaus as promised after collecting a payment from me for {$1200.00}. I would like this published widely and for the record. The credit bureaus should do a credit retraction of XXXX 's late status on my credit report. XXXX should be held to account for this financial abuse and should not be allowed to punish people for filing a CFPB complaint against them.

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