Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to request a review of my recent credit reporting issue with XXXX. I sincerely hope to connect with someone who can approach this matter with a clear mind and a sense of fairness. 

XXXX XXXX I received the final payment from my insurance settlement for a XXXX dating back to XXXX. The check included XXXX as a payee, so I endorsed it and proceeded to your website to determine the next steps. Upon logging in, I was surprised to find that I was XXXX XXXX behind on my mortgage paymentsan issue I had never encountered before, as I diligently pay every XXXX weeks. 

After speaking with several representatives, I discovered that my monthly mortgage payment had increased by approximately {$50.00} in XXXX or XXXX of last year. Unfortunately, I never received notice of this increase, nor was I notified that I was XXXX  Had I been aware, I would have addressed it immediately. 

Once I learned of the overdue balance on Sunday, I contacted XXXX first thing Monday morning. By Tuesday afternoon, I had paid the past due amount as well as an additional month in advance. Despite resolving the matter within XXXX hours, I was informed shortly thereafter that my XXXX XXXX had dropped by XXXX points due to the XXXX payment reporting. Given my strong payment history and exemplary credit record, I was genuinely shocked by this impact. 

I have attached my last XXXX months of XXXX scores for reference, illustrating how this single reporting has significantly affected my financial standing. Due to the expenses I incurred from the home loss, I was planning to consolidate debt through a XXXX or a similar loan with XXXX. However, the reported XXXX now makes such financial maneuvers impossible. When I consulted with their credit issue team, I was told it could take an additional {$10000.00} {$15000.00} in payments to restore my score. 

I am not requesting a refund of late fees or special treatment. I simply ask that XXXX remove this late payment from my credit record. Considering the unexpected increase in my monthly mortgage, the lack of proper notification, and my immediate action to rectify the situation, I believe this adjustment would be both reasonable and fair. 

While I understand policy restrictions, I truly believe that this situation merits individual consideration given my otherwise impeccable payment history. 

Thank you for your time and attention. I hope we can find a fair resolution. 
Sincerely, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX < -- -- -Here is where XXXX  destroyed my credit.

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