Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: First, allow me to thank you for taking the time to read my letter, for the past four months I have been trying to get the following agency : XXXX   to stop posting negative inaccurate information on my credit report. 
The negative information came from a XXXX XXXX XXXX credit card.they were showing that I had missed 2 payments during the months of XXXX - XXXX XXXX. 
On XX/XX/XXXX I emailed a XXXX XXXX XXXX executive by the name of XXXX XXXX in regards to the XXXX XXXX late payments. She agreed that XXXX XXXX XXXX  would do a review and contact me with 10-14 days. On XX/XX/XXXX I receive a letter stating that they would remove the negative information from my credit report. The letter also stated that I should give XXXX, XXXX, & Experian 30-60 days to remove the inaccurate information. 
As of XX/XX/XXXX of XXXX the following has occurred on my credit reports : XXXX  : XX/XX/XXXX- A delinquencypast due was removed from your XXXX  credit report. 
XX/XX/XXXX- The past due XXXX - XXXX XXXX inaccurate negative items were back on XXXX credit report. 
XX/XX/XXXX- I filed a dispute by Certified Mail with XXXX about inaccurate negative items ... also provided them with a copy of the letter from XXXX XXXX XXXX stating that the items have been removed. 
XX/XX/XXXX- XXXX updated my credit history, the inaccurate negative items were removed again. ( Report # XXXX ) XX/XX/XXXX- Once again XXXX placed the XXXX inaccurate late payments back on my XXXX credit report. During, this entire timeline XXXX never sent a letter or call me to give an explanation of why they have reinserted the negative items. 

XXXX : XX/XX/XXXX- A delinquencypast due was removed from your XXXX credit report . 
XX/XX/XXXX- The past due XXXX - XXXX XXXX inaccurate negative items were back on XXXX credit report. 
XX/XX/XXXX- I filed a dispute by a Certified letter with XXXX about inaccurate negative items ... also provided them with a letter from XXXX XXXX XXXX stating that the items have been removed. 
XX/XX/XXXX- XXXX updated my credit report, the inaccurate negative items were removed again. ( I didnt receive a XXXX  credit report ) XX/XX/XXXX- Once again XXXX placed the XXXX XXXX inaccurate late payments back on my XXXX  credit report. During, this entire timeline XXXX never sent a letter or call me to give an explanation. 

Experian : XX/XX/XXXX- A delinquencypast due was removed from your Experian credit report. 
XX/XX/XXXX- The past due XXXX - XXXX XXXX inaccurate negative items were back on Experian credit report. ( I received no letter stating why the items were re-inserted into credit file. 
XX/XX/XXXX- I filed a dispute by a Certified letter with XXXX  about inaccurate negative items ... also provided them with a letter from XXXX XXXX XXXX stating that the items have been removed. ( I have received no response from Experian as of XX/XX/XXXX ) To whom receive this letter at Consumer Financial Protection Bureau, I appreciate your time and efforts in reading this letter. My family and I are about to start the process of purchasing our first home. Only thing that stopping us is Experian, XXXX and XXXX, continually placing the same negative information on my credit file..Im trying to get the best interest rate on my mortgage. Thank you

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