Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
This has been the worst experience in my life in terms of getting a loan. Talk about predatory loan practices and shady consumer practices. I would stay away from this company! As soon as interest rates lowers I am out! 
This is not my first experience in home buying or having conventional mortgage loan. The sad part of it all is I didn't choose these sharks ; the loans was sold to them! I thought one of the bigger conventional banks would buy it from XXXX XXXX mortgage whom I took the mortgage out with but no, these predators came into my life and it has been a nightmare ever since! 
My business is in the dumps! You can read my previous complaint for full details. But a summary of the events : the mortgage was sold to and serviced by XXXX XXXX XXXX ( XX/XX/XXXX ) ; which turned out to be a subsidiary of XXXX XXXX, the company that ultimately absorbedXX/XX/XXXX and took over the mortgage. The acquisition process was done so incompetently in that all account information was not transferred. It then become the client responsibility to prove that you paid all the past mortgages ; information that wasn't transferred. Two months of information was just lost in my case. They didn't even make any attempts to get the information it seemed. Remember, XXXX and XXXX are part of the SAME company!!!!! - the phone number even remained the same! so even when you tried to call XXXX to find out what happened during the transfer or for them to send the information you end up right back at XXXX! FRAUD!!!!! 
But I refused to be cheated and so I kept calling 3-5 days per week many times per day and I would not stop! For MONTHS!!! 
They hung up on me; mocked me, was sarcastic ; insinuated that I was lying etc. I sent them multiple copies of the receipts they sent me of proof that I paid the mortgage for the disputed months. Apparently they don't accept their own receipts. I sent them bank statements that I paid the mortgage. They went silent for MONTHS!!!. My credit went in the dumps. I kept calling. I filed a complaint to the wrong regulatory body and then to this agency. My business tanked. 
Once I filed the complaint with this body they decided to respond once they realized that I wasn't going to be cheated and be intimidated into repaying for those 2 months. 
I was right, I wasn't late and I was up to date on my mortgage. 
I know they got many other folks who wasn't dogged like I was. I know other folks caved. 
They assured me that they would report the error the the credit agencies and they didn't and this is why I am back here! THEY DID NOT! 
I WAITED 3 MONTHS AFTER AND APPLIED FOR CREDIT AND THIS WHOLE ORDEAL IS STILL ON MY CREDIT. 
AT THE SAME TIME, GUESS WHO IS SENDING ME OFFERS OF XX/XX/XXXX!!! 
JUST TAKE A WILD GUESS!!!! 
FOLKS ; DON'T WALK, RUNNNNNNNN AWAY FROM XXXX XXXX OR XXXX XXXX!

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