Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
In XX/XX/XXXXXXXX  I was approved by XXXX by XXXX XXXX a personal Loan for {$15.00} three years term paying {$510.00} Monthly. This was my second Loan with XXXX. this Loan was never late till XX/XX/XXXX ( I will get to this later ) In XX/XX/XXXX I received an email about XXXX  taking over the Loan ( XXXX GOING OUT OF BUSINESS ) and I started paying to XXXX  and followed again as usual with no late Payments. 

In XX/XX/XXXX I stopped paying XXXX got 60 days past due ( I have been dealing with a really hard separation from my ex wife since XX/XX/XXXX and it's been hard, Moving expenses for both, paying two houses, etc etc etc I am pretty sure you know how it goes ). 

In XX/XX/XXXX after several calls I was finally approved for a payment plan with reduced monthly installments, {$280.00} a month and I did my first payment on XX/XX/XXXX with this new plan, ( I DID PAYMENT PLANS LIKE THIS WITH ALL MY CREDIT CARDS AND LOANS AND XXXX  WAS THE HARDER AND LONGER TO APPROVE ME, I HAD 11 CREDIT CARDS AND 4 DIFFERENT LOANS AND XXXX WAS THE ONLY ONE THAT NEEDED ME TO BE PAST DUE TO APPROVE ME, AND WHEN I SAY NEEDED ME WAS BECAUSE I DID CALL TO REQUEST THIS, PAYMENT PLAN WHEN I WAS CURRENT AS I DID WITH THE REST OF MY CREDITORS, AND ONLY XXXX ASKED ME TO BE PAST DUE TO APPROVE ME, THIS WAS STATED BY SEVERAL CUSTOMER SERVICE REPRESENTATIVES OVER THE PHONE. THIS IS THE REASON WHY I DID STOP PAYING FOR 60 DAYS, TO GET APPROVED FOR A BETTER RATE, CRAZY NO? ) In XX/XX/XXXX XXXX Changed my past due status to current ( I WAS ALREADY REPORTED TO THE BUREAU AS USUAL AND THIS ONE WAS OK BECAUSE I DID WAS PAST DUE FOR 60 ) DAYS ) and my credit was back to normal ( EVERYONE HAPPY ) In XX/XX/XXXX my second payment of the plan failed, I had to deal with XXXX for the way they handle the overdrafts.the payment was subtracted and returned several times making me pay manually 10 days later ( XX/XX/XXXX WHICH MAKES ME 10 DAYS PAST DUE ) Since this, XXXX and XXXX monthly installments have been paid on time and subtracted automatically from my bank account with no issues, but the XXXX  XXXX  still shows me as Past Due since XXXX the XXXX, making me today 64 days delinquent when it is not, I only was 10 days past due. I have made more than XXXX calls since I noted this back in XXXX because I was worried I was going to be wrongly reported to the Bureau as Past Due, when I'm not, and each and every Customer Representative I talked to stated that it was

a mistake that needed to be fixed, and I will not be reported to the Bureau, ( BUT THEY DID ).

Every time I called they wont let me talk to a manager, and the answer remains the same " We have escalated this, we are working on fixing your account, but so far we don't have an ETA, please keep making your payments. and in the meantime my credit dropped XXXX points, I don't receive debt collection calls but I do receive emails. 

The worst part is that every time I call they treat me like I am in debt, they don't even know what is happening to my account until I start explaining and ask them to check the call logs, after that they kindly try to help me but the history remains the same. 

I need to move, I am about to renew my car insurance, I need to keep refinancing my loans to get out of this personal situation and I cant because of how my credit is right now. 

Another person in my situation just stopped paying and tried to file for bankruptcy but I am trying, I have been making plans with every single bank and my credit history shows 100 % payment history making this one with XXXX  my only past due history in my credit report. 

Is crazy for me that a company so big nowadays can't fix something like a past due, and can't get an ETA for a resolution. I understand that for smaller and local banks. is unbelievable.

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