Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted several disputes with each of the three credit bureaus ( XXXX, Experian, and XXXX ) several times. However, on XX/XX/XXXX-I mailed each of these bureaus my documentation for the following companies, requesting they be removed from my credit as they were always paid as agreed, never late- and reporting inaccurately : XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX only ) XXXX/US Department of Education ( XXXX and XX/XX/XXXX XXXX Only two are reporting 90 days late for XX/XX/XXXX but the all the months prior are paid as agreed. ) XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX and XX/XX/XXXX - Months vary depending on the Bureau. Some report XX/XX/XXXX and some XXXX. However- I submitted documents from XXXX showing both months were paid as agreed. ) XXXX only- XXXX XXXX ( XXXX and XX/XX/XXXX ) To this date, I have submitted proof documents directly from the company at least three ( 3 ) times, and these items have still not been corrected to paid as agreed. I also requested that they provide me with correspondence from the creditor that states my documentation from them was either fraudulent or inaccurate. I have not received anything and the items are still reporting the same. 

For example, I submitted my entire student loan payment history to all three bureaus so they can see that in XXXX and XX/XX/XXXX my student loans were in forbearance. This documents came direct from the US Dept. of Education while they were processing my student loan forgiveness application ( which was granted on XX/XX/XXXX. ) After waiting almost a month for this to be corrected, I was told by Experian that they could not correct that account because I had highlighted the rows that showed my payment was not late but in Forbearance. What? It's important to note that they never told me why they would not change it after I submitted my documents. I had to call in and it was at that time I was told. I then submitted the documents again without any highlighting and it still has not been corrected. Also, they have me as 90 days late in XX/XX/XXXX- but the XXXX month prior do not state 30 days or 60 days late. 

I truly feel that these are predatory practices to keep my score low I have gone out of my way to get these documents from the creditor. Especially XXXX XXXX XXXX, who had to search a secondary system to find my mortgage account. I submitted XXXX separate faxes to the credit bureaus from XXXX XXXX XXXXXXXX that states XX/XX/XXXX, and XX/XX/XXXX were paid as agreed. My mortgage was sold in XX/XX/XXXX which is what caused all the issues with my reporting. That was also stated. Before that, my mortgage had NEVER been late since XXXX. How is it that the month it was sold, it is now reported late? Then after I first disputed it, they changed it from XX/XX/XXXX, to XX/XX/XXXX. 

As a test, I sent only the fax stating that XX/XX/XXXX was paid as agreed via online upload following my XX/XX/XXXX mailing. I did not include the XX/XX/XXXX fax to see what would happen. The bureaus then made XX/XX/XXXX late again and only corrected XXXX. 

This is not right and I need help getting these items corrected on my credit report. Please help!