Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Back in XX/XX/XXXX, there was a government shutdown which affected my business tremendously. I am a commercial mortgage broker and I do a lot of XXXX and XXXX XXXX commercial loans. Because of the shutdown, HUD and all of the government agencies were all closed which caused all of my loans not to fund. I work on 100 % commissions so this halted ALL of my income that I make. I spoke to someone at XXXX XXXX XXXX XXXX and they told me that since my business was affected by the government shutdown, they would extend my payment Once the government opened back up, I was able to mail my full payments in for my 3 platinum Visa card. 

XXXX XXXX XXXX XXXX currently has my personal checking and savings account blocked that prevents me from having any access to the account due to someone filing a lien from something that apparently happened back in XXXX, so I have not had full access to my account since XX/XX/XXXX. Because of this, I never know if there is any fraud on my account, if someone used my credit card without permission, or anything. This also prevents me from having automatic payments set up with the bank, so I never know if there is any fraud until I get my statement once a month, or call in every other day to checkup on my account. I have made this complaint to XXXX many times, but they said their hands are tied. So, I have to make payments from my business XXXX account each month, and I can not set up auto payments with them this way. 

This brings me to my issue. When I mailed in my payment for my 3 credit card at the end XX/XX/XXXX for XXXX payment, I was not aware that they never received the payment until getting my statement 1 month later, and no one at XXXX called me to let me know they never recieved a payment, and nor could I check online as mentioned above. 

I called XXXX and tried talking to them letting them know this is not my fault due to how they have my account blocked, and nor did anyone let me know anything. I even spoke to a supervisor, and she told me she understood and agreed with me about not having access to my account, but because of the credit reporting rules, they were not able to do anything. 

I have had XXXX  since XXXX, and I have had my 3 platinum Visa cards with them since XXXX and NEVER had ANY late payments with them, and I was spending at least XXXX XXXX dollars a year on my cards and paying the entire balance off many times. 

I am a XXXX Veteran and I have worked so hard to finally be able to buy my first home through the VA, these late payments are preventing me from fulfilling my life long dream of homeownership and giving my wife and soon to be newborn a place to call home. I can't tell you how many tears I have cried letting my family down by not being able to buy this home. 

I am asking CFPB to have the ALL 3 bureaus to take the 30 day late payments off each bureau as this is not my error and I had no way of correcting the problem because of not having access to my accounts and no way of knowing the mail was not delivered or lost somewhere at the mail service or at XXXX. 

I will be the most grateful if CFPB can help me correct this on my credit report so this Veteran can have a place to finally call home. Thanks