Consumer complaint received 2021-06-17
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. (FL)

Complaint:
Step 1 : What is this complaint about? 
The complaint is for wrong information to the Credit Bureau about the monthly payment of a car. 

Step 2 : What kind of problem do you have? 
I am XXXX XXXX, cosigner in a XXXX XXXX XXXX car owned by my daughter-in-law XXXX XXXX with the XXXX XXXX XXXX XXXX. 

Step 3 : What happened? 
XXXX XXXX called XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked for a one-month extension for the payment. The person who answered it, and that is recorded by the XXXX XXXX XXXX itself because when I called that company they confirmed that there was a call from XX/XX/XXXX, they told them that there was an extension available and that they could use it for XXXX. That person confirmed that she had already processed the extension before concluding the call and that the next payment would be for XX/XX/XXXX. 
On XX/XX/XXXX, XXXX received a call from XXXX XXXX and told him that it was late for the month of XXXX because the extension had not yet been approved. 
XXXX XXXX as cosigner, I was never notified. They say they called and had no answer on the phone. Suppose that was the case, then they should have sent me an email and they did not do it because they must exhaust all communication possibilities with customers. They contacted me by letter by traditional mail dated XX/XX/XXXX. They never did before. I have the letter in my possession dated XX/XX/XXXX but it arrived at my house on XX/XX/XXXX. 
He had already paid XXXX XXXX on XX/XX/XXXX but was already informed to the Credit Bureaus. 
I found out that my credit had dropped XXXX points from Experian when I logged into my profile on XX/XX/XXXX. I instantly called XXXX and explained the situation. They told me I had to submit a claim. I didn't do it because XXXX, my daughter-in-law, had already done it on the recommendation of XXXX XXXX XXXX. Two letters with the same claim was not wise. On the same day, XX/XX/XXXX, I called Experian and reported the problem and they told me that I had to speak to XXXX XXXX because they are the ones who have to inform Experian that it is an error. 
For 2 years I have been working my credit with total dedication for the purchase of a house. XXXX XXXX approved a loan of XXXX usd in XX/XX/XXXX. I found the house and everything is ready for the closing of the purchase on XX/XX/XXXX. As you should know, the bank will check my credit again before closing. This would cause XXXX XXXX to deny me the loan when it found that my credit dropped 56 points. 
My situation is very difficult because there is only less than a month left until the closing of the purchase of the house and generally this type of claim can last longer. After working so long on my credit, being pre-approved, finding the house and being ready for the closing, it is very disappointing that because of a company ( XXXX XXXX XXXX XXXX ) that mismanaged its work, I lost all the effort and dedication to achieve the purchase of my house. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

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 non-monetary relief