Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and at XXXX weeks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. We filed bankruptcy in response to the overwhelming debt we incurred during this difficult period of XXXX stays XXXX miles from home. This last year, XXXX I was finally diagnosed with XXXX. We struggled with our mortgage. We tried to find relief within the company XXXX XXXX with no luck or response or severely delayed response and we eventually received help outside of their company. In XXXX, we were served with foreclosure paperwork even though I had a health letter from my doctor stating I could not work. My husband and I also kept up communications when payments, although late, were coming. Knowing we had help coming in we were served. We came up with {$8000.00} to pull ourselves out before the due date was up. Conveniently, that due date was before our help was set to arrive. {$8000.00} was XXXX XX/XX/XXXX. Catching us up. 3 more payments were issued to XXXX  in XXXX. See attached letter. XXXX  XXXX has consistently reported inaccurately if at all the last XXXX years. Please see attached reporting. We have never had accurate information and in fact I requested that our mortgage be reported accurately early XXXX. We knew we wanted to sell, work on our debt since we were receiving relief and obtain a mortgage that was affordable, in, XXXX  where the health care and heat ( weather ) better fit my health demands. We found a lender willing to work with us and we got almost to closing and XXXX XXXX  had not been reporting correctly and now reporting something different again. XXXX from XXXX  said that we were on time from XXXX. Which actually since mortgage is paid ahead would have been XXXX. In all reality, we had no idea because reporting wasn't reported at all, or reported differently across the board. Since everything has fallen through we have lived in a hotel, had to put everything in storage and finally got into a rental. My husband had to go back to work in XXXX  since you can't change jobs before buying. He will still there until we can buy, away from our family with XXXX children and me with XXXX. I am the sole caretaker and I need my own caretaker. If XXXX XXXX were reporting correctly our lender and us would have known before trying to obtain a loan. The facts our we needed help. We received help from an outside help and we worked very hard to relieve ourselves from debt and make every penny helpXXXX XXXX XXXX is paid in full and our family is separated and states away from each other. At the end of the day had my lender pulled credit and the reporting was there and correct, we wouldn't be in this situation. The credit and reporting has constantly changed, we have no idea what was/is accurate. The credit supplement pulled XX/XX/XXXX didn't show a late in XXXX or XXXX, they show it as a regular payment but an XXXX shows a 90 day late but with a regular payment. Then the report has changed sine and before then. All attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation