Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

In the year XXXX, I had a problem keeping up payments of my 2nd Mortgage with XXXX XXXX XXXX . I applied for the Cares Act Mortgage assistance in XX/XX/XXXX and started getting help in XX/XX/XXXX working with Rhode Island XXXX and made XXXX XXXX XXXX aware via E-Mail with XXXX XXXX. Due to Rhode Island not maintaining a consistent agent on our case the Mortgage didn't get Paid in Full until XX/XX/XXXX. Payment made directly to XXXX XXXX XXXX. 
Since that time XXXX has put a " Charge Off '' in my credit report for the Months of XXXX XXXX XXXX. I was never made aware of the Charge off by XXXX. The paid in fill amount was over XXXX of a XXXX loan. 
To this day, I have not received a statement from XXXX we were " relieved of the debt '' and they have in my report of Experian and XXXX and XXXX {$12000.00} was charged off. 
This documentation of being is noted " Paid IN Full, however, after that sentence on the same line it says Charge OFF XXXX. That information is incorrect, it was paid in full. 
It also states in my report it was Charge OFF fro XXXX XXXX XXXX, incorrect, it was paid off in full XX/XX/XXXX. 
I never received any documentation from XXXX XXXX XXXX it was paid in full by a 3rd party, nor have I recieved any IRS documentation to file taxes regarding this loan. Nor, have I received Documentation stating it was PAID IN FULL and a relief of debt documentation. 
I have disputed the credit reports 3 times since XX/XX/XXXX and have been denied correction due to XXXX reporting the information is accurate. I also spoke with " XXXX '' from Collections at XXXX who states its accurate. 
I can tell you from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was bought out by XXXX XXXX XXXX. I have never received official notice or Documentation the company was bought out during my interaction with Rhode Island XXXX whom I sought for Mortgage assistance following an active State of Emergency due to Covid which rendered me legally XXXX from XX/XX/XXXX to present. 
I remember reading credit information regarding Morgages would not be affected if it was due to a National Declared Emegency, as in this case it was and I worked diligently to repair the missed payments with total transparency to XXXX XXXX XXXX XXXX XXXX XXXX 
I look forward to any professional advisement to rectify this problem. 
I just want my credit report to reflect {$15000.00} was paid in full on this 2nd Mortgage for the appropriate dates. XX/XX/XXXX is inaccurate! 
Seems to me Charge off, as they say they reported this to no one else but the credit reporting agencies, should have had an entry all by itself then should have reported the balance of over {$15000.00} was paid in full on a seperate line.

I can provide any documentation need with the exception of a notice of Charge off, or a relief from debt, nor any documents that should have been reported to the IRS. 
Sincerely, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, R.I. XXXX XXXX