Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Problem is with XXXX XXXX XXXX Mortgage reporting negative information to ALL Credit bureaus. 

My mortgage every month is due by XXXX of every month but Im also aware I have time until XXXX of every month to pay my mortgage with XXXX XXXX XXXX Mortgage. 
On XXXX of XXXX XXXX, I have made a call to the customer service number of XXXX XXXX XXXX XXXX have informed them I have few unexpected medical incidents ( XXXX attack / XXXX attack XXXX & almost had been charged {$3200.00} in deductible for ambulance & XXXX XXXX bills. 
The medical bills were unexpected & the hospital ended up charging me since Im responsible for my own deductible for the XXXX XXXX XXXX fees. When I have called in on XXXX of XXXX of XXXX, I have explained my situation to the XXXX XXXX XXXX associate that I have these unexpected medical bills fallen on me but I do also intend to pay my mortgage for that month XXXX & asked some time so I can keep my life back on track with all these bills. The purpose of the call was to let the associate know and find out if there are any internal payment arrangements or payment deferred plans, loan modification or mitigation options within XXXX XXXX XXXX so I could internally work with bank company and make some Internal arrangements to sort out all these unexpected bills & to agree on making a payment arrangement with XXXX XXXX XXXX and pay the mortgage for the month of XXXX. 
The XXXX XXXX XXXX associate has n't mentioned any of the knowledgeable options and only kept on mentioning that if I do n't make the payment within 30 days i.e ' by XXXX XXXX, I would be reported as 'Late ' to the credit bureaus.I 'm new to the mortgage verbiage & since the associate failed to mention any of these payment arrangement options I felt the only option available is 'I must make the payment by XXXX of XXXX ' & no other payment deferred plans available '. 

Because of this misinformation, I have then mentioned to XXXX XXXX XXXX associate I will try to make the payment by XXXX of the month but in case If payment is delayed by 4 or 5 days, I requested not to report 'Late ' to the credit bureaus. 
The XXXX XXXX XXXX representative reviewed my account & mentioned I have never been late ; my account is in a good standing & said it is fine & I can go ahead & pay it off in next few days & gave a nod of the additional time I have asked. 

Accordingly, I have paid the payment that was due in XXXX ; I have paid the amount on XXXX of XXXX XXXX. The same day XXXX have been notified by my credit bureau via email that XXXX XXXX XXXX has flagged my account with negative / derogatory information with being 30 days late. I was not aware even for a second or anticipated XXXX XXXX XXXX would flag my account in this manner without my knowledge since I have called in on XXXX of XXXX seeking additional time & also got the positive nod from the associate. Had I known this would happen, I would have made every attempt to make the payments on XXXX of XXXX itself so my credit would not be impacted in this way.Had the XXXX XXXX XXXX associate provided me guidance on all the payment options available, payment modifications available, payment deferments available within XXXX XXXX XXXX, entire situation could have been avoided. The XXXX XXXX XXXX associate failed to provide me all the options, it is due to the associate 's lack of knowledge today my credit is impacted in a very negative way with Late fee. Hence, It is purely XXXX XXXX XXXX 's associates lack of knowledge of all the payment plans available. I 'm disputing this flagging on my account & request you to clear my account since it is an error on XXXX XXXX XXXX end. 
I have spoken to XXXX XXXX XXXX XXXX XXXX department recently, I was surprised to learn there are so many internal payment deferment plans available that the associate failed to explain to me. 

I spent hours on phone calling credit bureaus & learned that my credit rating has been adversely affected because of all this & that Experian has reduced my points by XXXX points. I have never had a single late payment nor derogatory flag in last 33 years. I mean zero flagging on my accounts so far & this is the first negative flagging ever. I explained my situation to the XXXX XXXX XXXX XXXX XXXX they FAILED TO CORRECT MY CREDIT REPORT & AS BEING '30 days late ' for XXXX XXXX payment.Requested XXXX XXXX XXXX several times to correct my report but they failed to do so. Experian said the request has to come from XXXX XXXX XXXX to correct negative information on report, only then they can correct my report. XXXX XXXX XXXX is not sending a request to bureaus to 'correct ' MY INFORMATION. 

I request you to please consider this request & ask XXXX XXXX XXXX to deflag the negative information or update OR remove the late fee payment flag from all credit bureaus. I will assure you this will not be the case of late payments moving forward. please contact XXXX XXXX XXXX seeking them to update or correct my late fee reported to credit bureaus since it is an error on XXXX XXXX XXXX 's associate end, they failed to provide me all the options, it is due to the associate 's lack of knowledge that my credit is impacted & need to be corrected. 
XXXX of XXXX payment needs to be corrected.

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