Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My original loan was with XXXX XXXX XXXX starting XX/XX/XXXX. XXXX XXXX I went into XXXX  XXXX weeks early in an emergent situation. I called XXXX XXXX  XXXX a few days after, informed them of what was going on & requested the payment due be put onto the back end of my loan. I was due for another emergency surgery in the week to follow. They adhered to my request and offered me an additional 2 months deferment due to the situation. Up until this point I had NEVER had a late payment on ANY account, I always paid extra & early. XX/XX/XXXX I receive an E-mail while still in the hospital that XXXX was taking over XXXX XXXX  XXXX & instructions to make future payments. I assumed all agreements wouldn't change because i hadn't gotten any correspondence stating it had changed. I got an alert stating that I had missed a payment. I called XXXX, told them the situation and was informed that they didn't have to honor the deferment & my car would be placed up for repossession if I didn't pay the 3 payments that were deferred ( 1 wasn't even due yet ). I was unable to do that at the time and i asked if there was anything else I Could do. I was told I could make 1 full payment to avoid repossession. I did that. And continued making payments on time. Paying more each payment. XX/XX/XXXX I attempted to buy a house and was informed that I had 5 late payments being reported and was denied for a mortgage. I immediately called XXXX to find out what was going on. Spoke with a supervisor multiple times from this point until XXXX of XXXX. I Went through back and forth with XXXX  being told different things each time I called. Finally XXXX of XXXX another supervisor was able to fix the situation. She stated she didn't understand why no other supervisor did that for me months prior. She assured me the late payments would be removed & no longer reported. She gave me a number to call in 30days to be sure the late payments were no longer reporting. I called in 30days & saw that they still were reporting. I've been battling this situation since XXXX. I have sustained much suffering due to the denial of multiple credit transactions that have significantly impacted mine & my childrens lives. If the original supervisor I spoke to in XXXX had done what the supervisor did in 22 these late payments would not have incurred. I've already provided All 3 CRAs & XXXX with the bank statements that showed payments were made ON TIME for the months they are reporting late except 1. I do not feel as though iI should have to continue to suffer from a mistake made from this company and their incompetent employees. I've disputed this multiple times. Ive asked for the reinvestigation facts and have been provided nothing. The CRAs claim the account has been updated but it is the same information without change. At this point they are violating my rights as a consumer to have an accurate credit report. I have suffered significantly due to these errors.