Consumer complaint received 2024-08-09 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am urgently seeking your assistance with the incorrect reporting of a late payment and subsequent delinquency on my XXXX XXXX account with XXXX XXXX XXXX XXXX ( XXXX ). This issue has severely impacted my financial well-being. 

Despite having auto-pay set up, I was not notified of cancelled payments from my bank account nor warned about late or delinquent status. My email account, where notifications were allegedly sent, was hacked and inaccessible for over a year. Despite my repeated attempts to update my email address with XXXX XXXX, they failed to update their records until I manually corrected it last month. According to the XXXX XXXX agreement, I should have received notifications via phone calls, emails, and physical mail. I received none of these communications. Additionally, I was not notified within 21 days as required by Maryland Commercial Law Article Subtitle 9 and Section 16 of the Maryland Consumer Protection Act. I only discovered the late payment after 60 days, when I noticed a XXXX decline in my credit score. 

Since XX/XX/year>, I have sent four formal dispute letters to XXXX XXXX, with the latest letter sent on XX/XX/year>. Although I have tracking numbers confirming receipt of these letters, XXXX XXXX claims they did not receive the last letter. This claim is troubling and indicative of their negligence. 

I also disputed this issue through Experian, XXXX, and XXXX. Despite my efforts, after 60 days, these credit bureaus reported the errors as accurate and stated that they would remain on my credit report for the next seven years. 

Furthermore, XXXX XXXX has been reporting my monthly payments as {$0.00} on my Experian credit report for over a year, despite my consistent monthly payments. This continued inaccurate reporting further exacerbates the negative impact on my credit profile. 

This situation has devastated my ability to secure any form of credit. I am now unable to get approved for even the smallest credit lines, such as a XXXX credit card. Despite promptly paying all missed payments and additional amounts as soon as I became aware of the issue, the negative item remains on my credit report, and XXXX XXXX has refused to take corrective action. 

The actions ( or lack thereof ) by XXXX XXXX appear to be in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ), which mandates accurate reporting and proper notification. Additionally, their failure to notify me in a timely manner violates Maryland Commercial Law Article Subtitle 9 ( Md. Code Ann., Com. Law 12-901 et seq. ) and the Maryland Consumer XXXX Act ( Md. Code Ann., Com. Law 13-301 ). 

I urgently request that the CFPB intervene and instruct XXXX XXXX to immediately remove this inaccurate and harmful item from my credit report. The ongoing impact of this situation is severe, and I seek your prompt action to rectify this injustice. 

Thank you for your immediate attention to this critical matter.

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