Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

Complaint:
I purchased a XXXX XXXX ( XXXX ) and financed it through XXXX XXXX in XX/XX/XXXX. I made my first payment on this vehicle in XXXX, and have made payments for every month since then until now ( including XX/XX/XXXX ). All payments have been on time. Last XXXX I noticed that the loan was not showing on ANY of my credit reports ( my wife and I pay to monitor all 3 monthly ). It was showing on my wifes at the time ( she is the co buyer on the car ) but not mine, so we reached out to XXXX XXXX and began this process. ( Yes it's been over 90 days back and forth with them ). I was originally told it was escalated to their credit dispute department back in XXXX and the issue would be resolved in 2 weeks. Every single time we have to call it is such an ordeal and there have been times where it has been mentioned how often we are calling in a condesending way .... I am trying to buy a house and am fast approaching a year of on time payments on a vehicleyou havent reported to a single bureau as OPEN OR CURRENT OR ANYTHING! Now we have been dealing the EXECUTIVE RESOLUTION TEAM since early XXXX. I have dealt with 3 seperate mangers in that department that have literally stone walled me every single time they are pressed for answers. No one ever follows up as promised and now they are telling me there is no way for them to even call their credit dispute department and they can only contact them via email so the responses regarding my account are very delayed. they will not provide a number to the department nor have anyone cojntact me. It is the same story each time. Now they are telling me after XXXX they have to hire a THIRD PARTY COMPANY TO ATTEMPT ( YES THEY SAID ATTEMPT!!! ) TO CREATE THE TRADELINE AND HISTORY!!! THAT WAS OVER 3 WEEKS AGO! NO FOLLOW UP!!! Here is an example of the latest conversation. 

How can we help you today? 
I need to probably speak to the executive response team in regards to where you guys are at in getting this tradeline created with the three credit bureaus You - XXXX XXXX You are now connected to XXXX XXXX. 
Info - XXXX XXXX i have made all these payments and you guys have not reported this account to any of the three bureaus yet You - XXXX XXXX Good Afternoon, My name is XXXX am I speaking with XXXX XXXX? 
XXXX XXXX - XXXX XXXX so i havent heard from anyone on the ERT in over 2 weeks. 
yes. 
i have no other recourse but to seek legal representation in this matter if we cant make any real headway soon. 
ive been at this for well over three months this is ridiculous You - XXXX XXXX Can you verify the last 4 of your SS, please. 
XXXX XXXX - XXXX XXXX XXXX You - XXXX XXXX I understand your concern. Allow me to review your account. 
XXXX XXXX - XXXX XXXX ok. 
You - XXXX XXXX I do see there was manual request submitted however there is not current update at this time. 
XXXX XXXX - XXXX XXXX yeah this problem happens everytime since XXXX of last year. 
do you understand how ridiculous this is? 
can you get me a better answer than that? 
I am going to forward this conversation to the consumer protection bureau this is ridiculous. 
have someone from your ERT contact me or my wife. 
thanks. 
You - WE ARE TRYING TO PURCHASE A HOUSE AND THIS HAD OUGHT TO BE ILLEGAL THE WAY THEY CONDUCT BUSINESS. WE HAVE BEEN AT THIS WEEKLY SOMETIMES DAILY SINCE XXXX OF LAST YEAR WITH NO RESULT!!! 

AVOID THIS COMPANY LIKE THE PLAGUE!!! PLEASE! ALL I ASK IS TO HAVE THE TRADELINE CREATED AND ACCURATELY REPORTED TO ALL THREE BUREAUS ASAP!! NO MORE DELAYS NO MORE EXCUSES THIS IS CAUSING MY FAMILY FINANCIAL STRESS BECAUSE IT IS PREVENTING US FROM PURCHASING OUR FIRST HOME. I NEED THIS TRADELINE HISTORY ON MY CREDIT REPORT!!!!! 4 MONTHS ALMOST ON THIS ISSUE IS RIDICULOUS. I PAY EVERY MONTH, REPORT THE ACCOUNT AND PAYMENTS TO THE BUREAUS!!!

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