Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2019 To whom it may concern : I would like to file a complaint against Experian credit reporting agency, this credit reporting agency for years has intentionally continued to report inaccuracies to my credit file. 

Experian has continued to report fraudulent false information onto my credit file, and they have refused to make the accurate deletions, and corrections to my file. 

They have continued to report false fraudulent late payments onto my credit file, and they have told me by telephone, as well as they have written to me letting me know that they were not going to investigate nor dispute my complaints regarding the fraudulent late payments that they continue to report on my credit file, regarding my mortgage loan with XXXX XXXX. 

I am enclosing a copy of a letter that I just received from XXXX XXXX ; this letter is dated XX/XX/2019, and XXXX is claiming that I have a delinquent or derogatory Real Estate Secured loan on my credit report. 

I have one mortgage loan on my credit file, which is with XXXX XXXX, and for years I have disputed the fraudulent false information that Experian insists on maintaining onto my credit file. 

Experian credit reporting has continued to falsely and fraudulently report onto my credit file, that I have been late many, many, many times on my mortgage payments with XXXX XXXX. 

For years they have reported all sorts of fraudulent late payments all over my credit file with this mortgage loan ; and when I speak to either company, the fraudulent reported late payments get worse. 

It has gotten so bad, that although I have the letter I am enclosing from Experian dated 2019, from speaking to their representatives on the telephone, namely Mr. XXXX XXXX, from what I have been getting during the conversations, and from what I have been seeing from the credit reports that I have received from Experian, they have not been following up on any of the disputes that I have made to them regarding the fraudulent false late payments reflecting onto my credit file, they have not followed up for some time. 

For many years now, Experian has reported all sorts of fraudulent false status information regarding especially, my XXXX XXXX  loan, and other loans as well. 

For years now, whenever I have disputed the false, fraudulent information, between the Mortgage Company and Experian, they have both done more, and more deceitful fraudulent acts with my loan. 

I have never been late with any payments to XXXX XXXX, what Experian is reporting is untrue false information ; and I have had all sorts of issues with inaccuracies from them, as well as the mortgage company, and I want my mortgage loan, as well as my credit files corrected once and for all.

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