Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B XXXX SSN : XXXX DLN XXXX California Phone : XXXX Email : XXXX l am writing to formally dispute late payments on my Home mortgage in which I currently make payments to XXXX XXXX XXXX The original lender was XXXX XXXX XXXX. I will be attaching both accounts 1 which shows no lates with the other showing 6 lates after the account was sold to a new lender. What I believe happened was I was not notified of the changes and I believe the payment dates had changed. During the time I got these 6 late payments I was dealing with a medical hardship as wellMaybe through the changes notification were over looked! Not to put fault on myself or on XXXX XXXX XXXX, but things happen. I am a older hard working law abiding guy who defied odds even continuing to push forward with life dealing with a light touch of XXXX XXXX but there are no excuses in life and Nobody will save me but me. I kindly ask that you consider removing the late payments from my credit report as a gesture of goodwill. In support of this request, I am referencing the spirit of the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( 15 U.S. Code 1681 ), which calls for the fair and respectful treatment of consumers credit information.

If I may also ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681 s-2 The 6 late errors was beyond my control, and I request that it is fixed to never late. Again if you look over the reports I am sending you can see the error occurred when the company switched from Ocwen loan servicing to XXXX XXXX XXXX. Im almost XXXX years old and I need these lates removed to access my home equity to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and keep my income coming to be able to continue paying my bills and credit obligations is why I bought my house to help me as I got up there in age. Not to rub whoever is reading this request the wrong way, but to come from a human emotional stance to consumer law. 
FCRA 15 U.S.C 1681 ( d ) ( 2 ) ( a ) i ) Definitions ; rules of construction Excluctions! | was never given the opportunity to opt out as consumer law says! 15 u.s.c 6801 says that these financial institutions are suppose to protect my personal information continuously confidentiality meanning they dont even got the right to report my information when I didnt give my premission for it to be reported as in the inclusions section it says its against the law. 15 U.S.C 6802 & 6804 a, b, c! | wasnt given the opportunity to exercise non disclosure. One could read into the consumer law quoted above as I quoted being congress wrote it so vague, and could apply this as well as grounds to charge my 6 late payments to no late payments. Thanks for your time and consideration.

Company Name XXXX XXXX XXXX XXXX Account number : XXXX Opening date : XXXX - XXXX Amount : {$260000.00} Late dates to be changed to never late : XXXX XXXX - XXXX - 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