Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
During this time for COVID-19 many people have been affected with losing their jobs, insurance and their lives. I have been fortunate enough to remain afloat amidst the pandemic and be able to pay my funds although, I too, have been severely affected by the crisis. XXXX XXXX, my lender for my XX/XX/2019 XXXX contacted me and asked if I was affected during this time, and I stated to them " YES ''. They also asked me if I was home and not working. I stated " YES ''. I let the representative know that I was trying to file unemployment and awaiting my income tax return ( which I have not received still ) and the stimulus payment- of which I could send in XXXX payment. A XXXX representative stated to me that no late fees, penalties, or credit reporting during this time would be sent to credit bureaus because of the pandemic issue, they understood and for me to call them whenever I received the stimulus payment of XXXX. Upon receiving my stimulus check, I paid {$1000.00} to XXXX, which covered XXXX and XXXX 's car payment. I also sent a {$500.00} payment thereafter which would cover XXXX. The car payment is only $ XXXX  monthly and due on the XXXX of each month. I received several credit notifications indicating my credit score and points had dropped. Upon further review, I looked at the notifications and it was due to XXXX reporting to Experian ( and the other XXXX XXXX ) that my payments were late and not paid on time. I was livid when I saw this information and I called XXXX. I spoke with a representation who told me, the system automatically sends out this information and due to COVID-19 they would be sending a letter to all the reporting agencies to rescind and remove the late notices. However, they told me no reporting to the agencies would occur in the first place. I asked the representative when this would occur and she said they were sending out the letters at the beginning of this month- which THEY HAVE NOT, and now I have 3-4 late payments on my credit report that should NOT be there. I have disputed this information with Experian, XXXX  and XXXX  and to no avail it is still there, along with other items I have disputed and now I can no longer dispute them because when I try it reads this item has been recently disputed. This is erroneous credit reporting, XXXX lied and should be held accountable for their actions, false statements to consumers especially at a time like this. 
Secondly, I would like Experian, XXXX  & XXXX  to be contacted regarding the repeated disputes I have made on my credit report that they have failed to correct and enable me to dispute them and they ACCURATELY take care of those issues- specifically removing them. Those disputes are for accounts I DO NOT OWE : XXXX XXXX {$400.00}, XXXX XXXX ( XXXX XXXX XXXX ) {$1200.00} & XXXX XXXX XXXX XXXX XXXX ) which reports I have 1 late payment which is not true and of course XXXX XXXX which is reporting 3 late payments. These companies should be held accountable for their actions, especially at a time like this.

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