Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For several months I have repeatedly disputed the account in reference above. Please read the below summary. 
XXXX. A payment was made to prevent delinquency of 30-days by XX/XX/XXXXXXXX  with XXXX the supervisor. Due to a signature deficiency those funds were held. I received a letter stating this fact from XXXX XXXXXXXX XXXXXX/XX/XXXX. Please see attached proof. An institutional error should not penalize a consumer. The account was funded. 
XXXX. In Retaliation for reporting the concern, XXXX XXXX XXXX submitted on XX/XX/XXXX and XXXX, to all three bureaus a 30-day delinquency status. This was not correct. I contacted the office on XX/XX/XXXX, to explain the error and was transferred to XXXX who refused to acknowledge the company error stating the funds were not in the account on XX/XX/XXXX for INSUFFICIENT FUNDS. 
o XXXX XX/XX/XXXXXXXX XXXX I contacted XXXX  speaking first to XXXX who transferred me to the supervisor XXXX. The supervisor refused to acknowledge the agreed conversation that took place with XXXX and restated circumstances from con XXXX XXXX XXXX  and XXXX, justifying since a payment was returned XX/XX/XXXX ; I was 30 days late. ( You are reported late by the next month per contractual agreement due to this loan type being a high interest loan ). She refused to acknowledge that the payment was set by XXXX for XX/XX/XXXX. I told her this was a bank error as the monies were on hold. She hung up on me and disconnected the call. 
o Same day- I called back and spoke to XXXX who transferred me to XXXX who transferred me to XXXX XXXX I requested another supervisor and was retransferred to the prior supervisor that disconnected the call. 
Since that time XXXX XXXX XXXX has blatantly reported inconsistent and erroneous information on all my reports for several months. I have equally requested assistance and filed complaints with CFPB, FTC and looking into other measures regarding issues dated to CFPB : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and today, XX/XX/XXXXXXXX Not only are the reports not accurate, there is some reason to believe in sequencing events that this is also retaliatory measures. 
The Consumer Financial Protections main responsibility is to ensure that all consumers have access to markets for Consumer Financial Products and Services and that the markets for Consumer Financial Products and Services are fair, transparent, and competitive. As the regulator of XXXX XXXX XXXX, I am concerned that this has continued to be an issue. 
As of todayXXXX XXXX XXXX XXXX reported me delinquent again by 30-days for a payment that is scheduled for XX/XX/XXXX, to prevent that. They reported to XXXX and others that my original balance of {$23000.00}, only decreased by XXXX! Leaving a balance of {$23000.00}. I have copies of all the payments submitted since the loan was open XX/XX/XXXX. That is not included in the reports. 
Attached you will find a copy of XXXX XXXX  explaining their hold was due to a signature deficiency. 
This means my credit has been attacked twice on XXXX, Experian and XXXX. XXXX has 60 days delinquency ( now 90days with todays report ), XXXX and Experian have 60 days ( now with todays report ). Reporting inaccurate, erroneous information is a federal offense. Unfortunately, I now see the errors in signing a contract with a company that has several litigations and complaints ongoing. 
The account needs to be corrected for all the bureaus in the following way : Docusign Envelope ID : XXXX Correction to my credit report regarding delinquency status for XXXX and today. I have not been late. 
Correction of total payments made since the original loan amount was established XXXX of XXXX. Reflecting the total dollar amount submitted

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