Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX was received noRficaRon of the XXXX XXXX XXXX Agreement with Maturity date XX/XX/XXXX. This was a ONE Rme repayment offer automaRcally accepted while accepRng the loan process. Following this, I opted for 4 repayemnt plan provided by the loan process. Close to the due date, I was able to reschedule all 4 payments to a future date. ( Proof aHached ) When I finished the loan applicaRon and went over the agreement, you The Lender states and I quote ; - ... We may allow an extension of Rme, or a payment plan, for repayment of an exisRng deferred deposit transacRon but may not charge any addiRonal fee OR change of any kind in conjuncRon with extension or payment plan. 
On XX/XX/XXXX I contacted support via email to resolve my Bank issue and pay off my loan. I communicated via email with XXXX which it took her 6 days ( from XX/XX/XXXX to XX/XX/XXXX ) to resolve and take all 4 payments at once, even though that wasnt my request. My first contact was on XX/XX/XXXX and being 1 day late aeer my first payment due date ( AHach the rescheduled payment confirmaRon for your records ). Records show that all payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) were successfully rescheduled to a future date outside your alleged grace period twice ( See aHachments ). Why is XXXX XXXX XXXX allowing customers to extend repayment plan more than once and passed your 29 days grace period if your policy says I could be reported to credit bureaus, yet, no warning was displayed when confirming this change???. I had aHached proof of it for your records. Policies and agreement state the grace period of 29 days applies aeer 1st payment scheduled for one single loan term. 
Based on my first payment due day of XX/XX/XXXX and paying off all 4 payments on XX/XX/XXXX and XX/XX/XXXX I was ONLY 23 days late. 
When I talked about the wrongfully reporRng to credit bureaus with XXXX she said ; XXXX, I appreciate the feedback. However, when you reached out to link your bank account on XX/XX/XXXX the payment was already more than 30 days past due. ( Not True ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX of XX/XX/XXXX, the payment had already hit 30 days past due. We received your email in regards to updaRng your bank account on XX/XX/XXXX. ( Not True ) Since two of the payments were made outside of the 29-day grace period, we are required by law to report them accordingly. ( Not True ) We can not delete the reporRng informaRon since as a furnisher under the FCRA, Possible must report all payment informaRon in a fair and accurate manner. 
Thank you! 
Best, XXXX from XXXX XXXX  in all, my intent is to seek legal counsel but not before giving you the opportunity to resolve this issue outside the court system. Please update my records, XXXX XXXX XXXX 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