Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2015 my husband, XXXX XXXX, and I, XXXX XXXX, applied for a new home loan. When XXXX pulled our credit report XXXX XXXX XXXX did not show us being late for 60 days in XXXX 2015, or 30 days in XXXX 2015. When our Credit report was pulled again by XXXX on XXXX XXXX, 2015, all of a sudden they showed us 60 days late in XXXX 2015 and 30 days late in XXXX 2015. I immediately called XXXX XXXX XXXX to find out what the issue was. After thoroughly explaining my current situation and that we were not late, the first person I spoke with told me that she understood, but could not help me, so she transferred me to the collections department. After explaining again, the person in collections, told me that I our account was not delinquent, and she was sorry but there was nothing she could do, that she would have to transfer me to Finance. I again, had to re-explain everything, I was then told that our account was not delinquent and that they would have to transfer me to Accounts Services. Once again, I explained everything, the gentleman, informed me that they had been up dating their systems and for whatever reason, he could only see certain months. Of which, what he could see we were not delinquent, but that as much as he wanted to help me the only people in the company, at this point that he knew could see all information, was Finance. He apologized, and said he would have to forward me to Finance, again. So, for the 5th time, I re-explained everything. After looking at our account I was told that we were not showing delinquent, and that she did not understand why it was showing on my credit report, that I would have to dispute that with the credit bureau. Even though, I asked her if there was something that she could email or fax me. She then responded with I could mail you something, but ultimately you have to dispute it with the credit bureau. So I asked again, at that point she asked me to hold to see what she could do. When she came back on the phone she said that our account was " all of a sudden '' showing past due. I asked her to explain. She said we called you in XXXX to let you know and you said to call back at XXXX. I explained to her that I informed the person that it was impossible, because our account was set up to auto withdraw from our checking account, and that I was working and that was why. I also informed her that I never received any calls back, and my house phone up until two weeks ago forwards to my cell. So there is no way I would 've missed it nor did I receive any voicemails. I also explained that, " I had noticed XXXX XXXX that the XXXX payment had not been pulled out so that is when I called and asked what was going on. The young lady I spoke with explained that she could see it was auto drafted before, but could not figure out why it all of a sudden stopped. She asked if I could set up a payment for that day I asked if it could wait until the end of the month with no penalty, due to me having started a new job and waiting on my first paycheck. She said as long as it was paid by XXXX XXXX it would not count against me. I then asked if we could reset up the payments to auto debit from the same checking account, just like it had before prior to this, seeing as my husband nor myself, did NOT ever requested it be stopped. She said yes, that would be no problem, we set it up and reassured me that nothing would go against me on my credit for past or present. '' After explaining this to the woman in finance who had just told me I was late, when I was n't, she told me there is nothing I can do except tell you to dispute it with the credit bureau. So after being transferred 4 times and speaking with XXXX people, of whom all XXXX said that the account was not delinquent, then all of a sudden it is, we are still in the same spot.