Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX, I contracted XXXX XXXX and missed the last few weeks of school. I did not know that I was out of personal time and I had already received my final paycheck of the school year. My first paycheck was to be deposited by XX/XX/XXXX and my mortgage is due on the XXXX of the month, with a grace period of the XXXX. 

My XXXX  XXXX  never told me that my paycheck would be docked. As soon as I realized I was to be {$1700.00} short for XXXX, I contacted XXXX XXXX XXXX XXXX  re : my mortgage and explained there was no way I could pay it within 30 days, and I wanted to avoid a 30 day mark on my credit. 

I offered to make a partial payment of {$1200.00} if they could extend the other amount out a few weeks. They advised they could not take partial payments and that I would need my account to go 30 days late before I called them back and applied for assistance. 

As of XX/XX/XXXX, my account was 30 days late and I called on XX/XX/XXXX. I was told that I could apply for a partial claim ( and that the late payment would be restructured into the loan. ) I was told this could take up to 30 days. I asked about the late payment. I specifically asked if the request was still in underwriting, would I be reported AGAIN the following month for being late. I was told no, my account was " protected. '' This was not the case. 

Underwriting took the full 30 days, and then some, and they reported me late to the credit bureaus for 60 days. After that happened, I called back and was told that I had been given wrong information and that in fact, even though I was approved for the program, until the loan " closes '' ( after a notary comes ) I would continue to be reported for late mortgage payments. 

There was a XXXX XXXX for the mobile notary, who finally came out on XXXX XXXX. 

I was devastated to find that my credit was totally destroyed because of this. I would have simply made the late payment and NEVER applied for this partial claim. NEVER. 

Because I know have XXXX late payments on my credit report, I can not finance anything for YEARS. 

On XXXX XXXX, I was struck by a deer. My XXXX XXXX ( 2.99 % interest, purchased XXXX ) was totaled. 

I could not get ANY financing at a dealership because their underwriting teams were requesting proof of " current mortgage '' AND WOULD NOT CONSIDER A RESTRUCTURED LOAN. I was denied. 

I had to go to a used sales lot, pay a higher price on a vehicle, 24 % interest and I have no way to refinance for years unless these late payments come off my report. 

I feel that in GOOD FAITH, these late payments should be REMOVED. XXXX XXXX  XXXX has destroyed my financial life, the security of my family, and caused me to have to take a XXXX job as I'm now paying MORE for a XXXX XXXX than I had paid for my XXXX XXXX XXXX, which was 50 % paid for, and I had to put XXXX down and take out a XXXX  YEAR LOAN. 

They did not act in XXXX XXXX. I asked these questions about my credit and I was misinformed, and information was withheld from me multiple times. 

I can dispute these on my credit report, but I know that often a co. will not remove them. 

I feel that XXXX XXXXk acted dishonestly and the LEAST they can do is remove those late marks for 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 explanation