Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am filing a complaint against XXXX XXXX regarding their persistent failure to correct my payment history which in turn they are reporting to the credit reporting agencies which continues to negatively impact my credit score. Despite clear evidence of a processing errors and miscommunication on XXXX XXXX 's part, a letter sent to XXXX from XXXX XXXX explaining their errors internally and my numerous attempts to directly get XXXX to correctly reflect a positive payment history and correct this with the credit agencies, XXXX refuses to even conduct a proper investigation into this issue and as of my last complaint to the CFPB, responded by simply attaching a copy of the payment coupon for each month which in NO WAY REFLECTS THE REAL ISSUES AT HAND OR PROPER RESOLUTION! This ongoing issue is significantly impacting my credit scores and causing undue stress, adversely affecting my health as I am permanently XXXX. 

**Details of the Complaint : ** 1. **Processing Errors by XXXX XXXX XXXX ** - I pay my XXXX mortgage through my XXXX XXXX checking account. On four specific occasions, there were processing errors on XXXX XXXX 's part, which they acknowledged in writing. These errors occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
- In XX/XX/XXXX, XXXX XXXX sent a letter to XXXX XXXX explaining that the payments were *late, due to miscommunication as well as internal processing errors on XXXX XXXX XXXX part and were not my fault. XXXX XXXX requested that XXXX correct the records to prevent negative reflections in my payment history. 

2. **Recent Reporting Issues : ** - More recently, XXXX reported a late payment for XX/XX/XXXX, which resulted from a combination of errors including a data breach that led to identity theft. This breach required my XXXX XXXX debit card to be canceled and reissued with a new number. During the transition to the new card number, there was miscommunication between XXXX XXXX and XXXX, and the processing of my mortgage payment may have been delayed. XXXX XXXX communicated this issue to XXXX as well. 

3. XXXX 's Failure to Correct Records : ** - Despite XXXX XXXX XXXX letter in XXXX and recent communications from them as well as my own calls to XXXX  XXXX XXXX continues to report me to the credit bureaus for delinquent payments, negatively impacting my credit scores. 
- I have repeatedly contacted XXXX and the credit bureaus about this issue demanding they correct these errors only to continue to be ignored, dismissed, or directed elsewhere. Although there was a brief correction by XXXX and Experian, the problem reoccurred when XXXX re- reported the same erroneous negative payments beginning in XXXX. 

4. **Negative Reporting Dates : ** - The erroneous negative reporting dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX needs to correct these dates immediately as they are gross errors. 

5. **Impact on Credit Scores and Health : ** - These incorrect reports are causing significant damage to my credit scores, resulting in considerable stress and negatively impacting my health condition. 

6. **Reappearance of Negative Information : ** - For a brief period, XXXX and Experian corrected the negative reports after receiving some communication from XXXX XXXX However, in XXXX, the negative marks reappeared. 
- When I contacted the credit reporting agencies, they informed me that the negative marks would reappear if XXXX reported the negative payment history again after the initial correction. 

7. **Legitimacy of Re-reporting : ** - XXXX is not allowed to re-report negative information that was previously corrected. This seems like a deliberate act of negligence and completely malicious! 
- Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681s-2, credit reporting agencies are required to ensure the accuracy and integrity of the information they report. Chases failure to correct and then also re-report erroneous information is a violation of this law.

- The **Consumer Credit Protection Act ( CCPA ) **, 15 U.S.C. 1601, guarantees that consumers have the right to accurate and complete credit information. Chases actions are inconsistent with this principle. 
- **Regulation V ( 12 C.F.R. 1022 ) **, implementing the FCRA, requires that furnishers of information must maintain accurate records and correct any inaccuracies reported. Chases re-reporting of previously corrected negative information violates this regulation.

8. **Prior Complaints : ** - I have filed prior complaints with the CFPB under Complaint Numbers XXXX and XXXX. XXXX has regurgitated the same false information to you, the CFPB, in their responses, ignoring the problem and failing to fix it. Simply making copies of monthly billing inserts printed prior to any received payment by me is not a sufficient response to whether or not my payment history for the months in question is ACTUALLY LEGITIMATE! 

9. **Demand for Immediate Action : ** - I am requesting the immediate removal of the erroneous negative marks from my credit reports for the dates mentioned. 
- I am also demanding reimbursement for the late fees charged by XXXX for these dates, with interest. 
- Additionally, I request a formal letter from XXXX outlining the steps they will take to resolve this issue, including : - Updating their internal accounting information to correct the negative payment history. 
- Immediately contacting all three credit reporting agencies ( XXXX, Experian, and XXXX ) instructing them to revise my payment information to reflect no late payment history. 
- Providing a formal apology for what can only be interpreted as deliberate and malicious behavior on their part once I took formal steps to correct the problems they were causing. 

**Supporting Documents : ** I will forward a copy of the letter from XXXX XXXX XXXX XXXX XXXX which supports my claim and explains why these negative reflections on my credit score should be corrected immediately. I will also include a copy of payment history reflective with XXXX but identical on all three of my reports needing correction. 

Thank you for your prompt attention to this matter.