Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am filing this complaint against Experian for failure to correct inaccurate mortgage reporting tied to my XXXX XXXX account, despite receiving formal disputes and comprehensive supporting documentation. 

The XXXX XXXX tradeline was added to my Experian credit report in XX/XX/XXXX following the servicing transfer of my mortgage from XXXX XXXX. The account began reporting 30-day and 60-day delinquencies, which are factually incorrect and materially misleading.

Here is the timeline : - My mortgage was originally serviced by XXXXXXXX XXXX  and entered CARES Act forbearance on XX/XX/XXXX, while the account was current. 
- I completed a series of trial plans and modifications, culminating in a permanent loan modification on XX/XX/XXXX. At no point was I in default. 
- The loan was transferred to XXXX XXXX effective XX/XX/XXXX, and I have continued making payments under the modified agreement. 
- Within days of the transfer, Experian began reporting 30- and 60-day late payments for this account. This reporting is entirely inaccurate. 
- I formally disputed this with Experian in XXXX and XX/XX/XXXX, providing the following documentation : - Loan modification agreement ( XX/XX/XXXX ) - Payment confirmations- Mortgage statements- Certified correspondence with both XXXX XXXX  and XXXX XXXX - City tax documentation disproving escrow-based delinquency claims Despite this, Experian failed to correct the tradeline for over 30 days. On XX/XX/XXXX, the account was marked as " Paid on time, '' but there is no assurance the account won't revert or continue to display late payments due to inconsistent data being furnished by XXXX. Experian has not provided any explanation, resolution letter, or verification methodology used during its reinvestigation. 

I have raised this matter with XXXX, CFPB ( against XXXX XXXX, XXXX and XXXX XXXX, and all agencies have acknowledged receipt. XXXX confirmed in a call on XX/XX/XXXX that my case is being referred to its Office of Investigations.

Experians mishandling of my dispute violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a full and timely reinvestigation of disputed data. It also violates the spirit of Metro 2 reporting standards, which require data furnishers and bureaus to avoid materially misleading reporting.

Requested resolution : Permanently correct or suppress any derogatory payment history related to XXXX XXXX Provide full written results of all reinvestigations conducted Stop reinserting disputed late payments unless they are fully verified in compliance with FCRA 1681i ( a ) ( 5 ) ( B ) Confirm proper Metro 2 formatting has been applied to this account I am attaching supporting evidence, including credit report screenshots, timeline summaries, and verified mortgage documentation.

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