Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have XXXX children, XXXX of which have either completed XXXX XXXX XXXX XXXX XXXX XXXX. I took out XXXX XXXX loans so my children receiving a good education. I am writing you regarding XXXX failure to notify me of account payment re-start after the XXXX Pandemic, and XXXX termination of automatic payments about XXXX of XXXX, automatic payments that I had previously authorized, but I did not authorize the payments to stop. The government stopped them. Then 5 years pass, and nothing from XXXX sent to my home address, no statements, no notice, no nothing. Then, XXXX negligently send incorrect reporting information to credit bureaus without any attempt to notify me in writing at my home address. I am writing to XXXX to make demand for IMMEDIATE credit corrective action. As of XX/XX/XXXX, my credit score was XXXX. On XX/XX/XXXX, I was notified by an alert to my credit through one of my credit card services, of changes to my credit. I immediately contacted my credit service to learn that XXXX had reported on seven loans that my account was 90 days past due. I was shocked to say the least. On XX/XX/XXXX, my credit score dropped to XXXX. Upon calling XXXX to understand what happened, I learned that XXXX made its own determination to terminate my automatic payments sometime after XX/XX/XXXX, the same month that the XXXX pandemic began. I was told by a representative of XXXX that XXXX had not sent ANY written notices to my home address. I received no voicemails, or any other electronic mail, I was also told that XXXX made the decision to restart the payments requirement, but never notified me, then XXXX failed to restart my automatic payments or to notify me by mail to my home address. XXXX stopped my payments for almost 5 years, made no effort to contact me, and then negligently reported information. The wrongful reporting of my accounts to the credit bureaus has severely damaged me. I am in middle of a real estate transaction that began before wrongful reporting occurred. Due to negative reporting, my lending institution is potentially unwilling to proceed with the real estate transaction. I stand to lose significant earnest money. If my lending institution does not proceed, I will lose this money. My credit has been very good for many years, now it is ruined by 7 accounts all noted as 90 days late. I will pay higher interest rates, lose this real estate transaction, and lose my earnest money all because of bad decisions and practices by XXXX. I have asked them to correct it. sent letters on XX/XX/XXXX, and XX/XX/XXXX, but no response from XXXX. I must file lawsuit to get corrective action. See my most current response letter to XXXX dated XX/XX/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