Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am mailing a package to CFPB, XXXX XXXX XXXX XXXX, XXXX  DC XXXX with backup documentation. 

XXXX XX/XX/XXXX, mailed XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Mutual XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Copies of this issue have been mailed/emailed and complaints filed as follows - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX Number : XXXX Email : XXXX with ATTN : XXXX XXXX  and your XXXX XXXX in the subject line of the email XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX complaint filed XXXX XXXX XXXX, XXXX, XXXX  XXXX Telephone XXXX XXXX XXXX XXXX FAX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA - complaint filed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX - complaint filed https XXXX XXXX XXXX 
mail to : Consumer Response Unit, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. 

Office of the Comptroller of the Currency - complaint filed XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX ) XXXX Copies to the following credit reporting companies - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX, by calling ( XXXX ) XXXX Experian Dispute by XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone : To dispute over the phone, call XXXX. 

XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX. XXXX, PA Dear XXXX XXXX- I regret having to escalate this matter to you, but have repeatedly called and emailed XXXX XXXX XXXXXXXX regarding this issue and received confused, irrelevant and incorrect responses. Some agents have been rude and would not listen to my concerns. They do not answer direct questions with valid facts, in spite of factual documentation I presented repeatedly! 

I am writing to you for resolution on the supposed delinquent payment on this mortgage account. After much research, the payment of XX/XX/XXXX is the missing payment in question. 

- XXXX emails between myself and XXXXXXXX XXXX XXXXXXXX research department from XXXX. 
XXXX phone calls with Customer Service over this period and prior. 
Communications with both XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( the XXXX banks we make payments from ). 

My son, XXXX XXXX, usually makes payment, but at the time of this issue he was undergoing XXXX XXXX and XXXX treatment. Made it difficult to handle his personal administration, so I made some of the payments, as done in the past. I too have had health issues, and was not at the property address to receive any mail notices. Did not receive any notice of delinquency until XXXX, XXXX. 

Spoke to XXXX XXXX XXXXXXXX Customer Service and they advised I write to request an analysis of what routing number and what account number made each payment over the period of XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX, XXXX XXXXXXXX XXXX Routing XXXX Account XXXX OR XXXX XXXX, Washington XXXX XXXX XXXX XXXX Routing XXXX Account XXXX Copies of communications are attachments to this letter. 

Why were many previous payments processed correctly against both XXXX XXXX account ending in XXXX and XXXX XXXX ending in XXXX? And the payment of XX/XX/XXXX was not? 

Why was XXXX payment processed incorrectly. I have provided additional documents, i.e. bank statements, etc. verifying that the supposed payment did not process through my account or XXXX. XXXX repeatedly says it processed through XXXX XXXX XXXX XXXX and returned for NSF. Provided documentation from XXXX, XXXX XXXX, that no payment was processed in XXXX ( see bank statements and XXXX XXXX ), YET there were XXXX NSF fees against XXXX  account in that time period? So XXXX does have XXXX correct account number. 
Didnt process through my account either, XXXX  XXXX XXXX  statement provided to verify that. 
This payment didnt process through either of our accounts- WHERE did XXXX send it? And then charge for NSF on a payment not even processed correctly? ERROR on the part of XXXXXXXX XXXX XXXXXXXX. 

As soon as discovered, I immediately made prompt full payment of my debt to you, I would like to request that you correct to remove the delinquency from my credit report. I HAVE NEVER HAD A MORTGAGE DELINQUENCY IN MY XXXX  YEARS OF MULTIPLE HOME OWNERSHIP. 

I have been denied many credit opportunities, hindering my business effort because of this erroneous delinquency on record. 
This has been a nightmare for over a year. Thank you in advance XXXXXXXX XXXX XXXXXXXX making this right. 

Thank you, XXXX XXXX XXXX XXXX - XXXX the volume of material, but it is valid documentation and requested by XXXX. XXXX has ignored many of the facts and not responded with fact. It has take SO long because of the badgering and continually dragging it out by XXXXXXXX XXXX XXXXXXXX. 

FAIR CREDIT REPORTING ACT - The Consumer Financial Protection Bureau ( CFPB ), the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation ( FDIC ), the Office of the Comptroller of the Currency ( OCC ), and the National Credit Union Administration ( NCUA ) oversee compliance with the FCRA. 

Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( A ) Duty of Furnishers of Information to Provide Accurate Information Prohibition - Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate. 

XXXX pages - SUMMARY OF EMAILS - XXXX emails between XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XX/XX/XXXX. 
*Dozen phone calls prior and over this period. Was told to communicate to XXXX. ( Difficult to piece together from XXXX system ). 

XXXX pages - XXXX XXXX XXXXXXXX STATEMENTS Summary of payments XX/XX/XXXX - XX/XX/XXXX Statements attached for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all XXXX ( previously provided thru XXXX ) *Payment made on XX/XX/XXXX, reversed on XX/XX/XXXX is THE missing payment. 

XXXX Pages - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX )- XXXX XXXX XXXX Summary of payments to XXXX XXXX Chat transcript XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX Statement XXXX XXXXXXXX XXXX XXXXXXXX payment was returned, only XXXX NSF fees, so XXXX has correct XXXX XXXX account information. 

XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX Acct. XXXX Summary of payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX payment was returned against this account. 

XXXX pages- Federal and State Complaints Filings XXXX XXXX XXXX XXXXXXXX. of XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Credit reports are XXXX pages long and have been previously provided to XXXX and are available upon request. 




Note : XXXX, XXXX, my personal bank XXXX XXXX XXXX  was sold to XXXX  XXXX XXXX. This caused a change in the routing number for my bank and the account number remained the same. I advised XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX and when I made subsequent payments they were processed correctly through with the new routing information. 
Routing XXXX Account XXXX. 




LIST OF PAYMENTS/TRANSACTIONS FROM XXXX XXXX XXXXXXXX SITE XXXX 

XXXX XXXX, XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} Payment made by XXXX XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2000.00} XXXX XXXX, XXXX Returned Check Reversal - Long Form - {$2000.00} ******** XXXX XXXX, XXXX Mortgage Payment $ XXXX XX/XX/XXXX Multiple Payment - {$2000.00} Payment made and reversed by XXXX Returned Check XXXX XXXX XXXX XXXX XXXX {$2000.00} valid reversal - was a duplicate XX/XX/XXXX Multiple Payments {$4100.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} Payment made by XXXX XX/XX/XXXX Mortgage Payment {$2000.00} Payment made by XXXX XX/XX/XXXX Mortgage Payment {$2000.00} Payment made by XXXX XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XXXX XXXX, XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00}

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