Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX was the lien holder for my XXXX XXXX XXXX XXXX, which was declared a total loss on XX/XX/XXXX. XXXX was made aware of this by XXXX XXXX, and a XXXX Claim was opened early in XX/XX/XXXX. I signed all of the releases I needed to sign for the Dealership to cancel my Extended Service Warranty, and I was told that my XXXX Claim would be resolved as soon as XXXX applies the refund to my Payment History. Fast forward five years, and I was trying to buy a house. I was denied a loan due to a {$8600.00} Collection from XXXX XXXX. A collection that no one ever even bothered to tell me existed. Not to mention, it was an unfounded collection. Once I was aware of this debt ( due to pulling my own credit and being denied a mortgage for my dream home ), I diligently began attempting to resolve it. XXXX was extremely unhelpful. I was promised many things which never happened, but I did have three different employees admit to me, on recorded lines even, that XXXX had made many mistakes handling my account, all of which financially harmed me or caused further harm to the harm they had already caused. Once I was aware of the debt, I took matters into my own hands and contacted XXXX regarding the XXXX they had not previously paid out on as well as XXXX XXXX about why the XXXX Claim was never completed. Both insurance companies admitted that they had been withholding settlement funds until XXXX would should that they had received the {$100.00} refund that was sent to them in XXXX of XXXX for the canceled Extended Service Warranty. I have had many different employees at XXXX admit to me that the {$100.00} still ( as of XX/XX/XXXX ) has not been credited to my account. After months of strife and a total of over 44 hours on phone calls and countless hours on e-mail and Internet research, I was finally able to get XXXX XXXX and XXXX to pay off the remainder of the balance. XXXX just recently updated my Credit Report to reflect the {$0.00} balance. However, they are still showing it as a Charge Off. They also are showing it as current ( reporting for XX/XX/XXXX ) Charged Off, which is further damaging my credit even more. Not only is it a Charge Off, which never should have been there at all, but it also is reporting as current. Instead of a six-year aged Collection, it is reporting as a current Charge Off. Not only should it never have charged off, it should have never gone to a collection status at all. Both of the insurance companies for both of the additional XXXX insurances I carried both share the same story of XXXX refusing to work with them. XXXX also lost the {$100.00} payment that was refunded to them on my behalf for the XXXX XXXX XXXX. Many, many, many errors were made by XXXX XXXX, and the financial harm continues to affect me. 

1 ) XXXX never once attempted to contact me regarding this debt, which was 100 % caused by their own internal mistake of never applying the {$100.00} payment. 

2 ) XXXX never applied a {$100.00} payment. It was received in XX/XX/XXXX. I have proof if the canceled check from the Dealership. 

3 ) Even when I demand they do a check search for the {$100.00} payment, they blatantly refuse.

4 ) Sometimes they lie and make up dates that it was applied.

5 ) Sometimes they admit it was never properly credited.

6 ) No one ever helps me resolve my issues. No one ever takes accountability.

7 ) I was denied my dream home.

8 ) I have been denied multiple credit cards and credit lines over the past six years. ( My XXXX XXXX was declared a total loss on XX/XX/XXXX. ) I realistically have been denied credit at least 20 times, probably 30 plus times.

9 ) The only reason my balance was even recently updated to zero was because I kept Disputing the Collection with the Credit Bureaus. 

10 ) I had not XXXX but XXXX XXXX policies. There is absolutely no reason why I ever would have had any Collection at all. 

11 ) Instead of investigating the issues XXXX XXXX and XXXX reported to them ( not applying the missing payment that I have proof was deposited in XX/XX/XXXX ), they refused to do anything. They did not do a deep search for the payment. They did not cooperate with either XXXX company, at all. 

12 ) They refused to do a deep search for the missing payment, even when I requested one multiple times, as recently as XX/XX/XXXX. 

13 ) I have escalated this within XXXX XXXX multiple times. Nothing ever gets resolved. 

14 ) I am being further financially harmed every day my credit continues to stay damaged. 

15 ) I have been trying to buy a house since XX/XX/XXXX. It has now been six months since I have been made aware of the financial harm XXXX XXXX has been causing me for the past six years. It has also been six months since XXXX XXXX has been aware of all of the mistakes they made on my account. Nothing has been done to improve my credit or to remedy the mistakes. 

16 ) My current Credit Report is reflecting an even lower score than it was when I first reported the issue because they updated my account from a six-year aged Collection to a current month Charge Off.

17 ) Not only has the financial harm not stopped, it has been exacerbated.

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 non-monetary relief