Consumer complaint received 2024-03-13 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: PA

Complaint narrative:
The payment information that XXXX XXXX has listed on my credit report is not accurate. I have been reported delinquent by XXXX XXXX from XXXX XXXX  XXXX through XXXX XXXX XXXXXXXX while going through a loan modification. I am reported as being 120 days delinquent on my mortgage payment. 
In XX/XX/XXXX XXXX referred me to XXXX XXXX XXXX for mortgage help as I was struggling due to lost wages, rising costs, health issues, and my daughter 's mental health costs. XXXX recommended I request a Loan Modification through the CARES ACT in XXXX XXXX XXXX. XXXX XXXX walked me through the process of requesting this modification. XXXX called XXXX XXXX with me on the line to help clarify why I would qualify for this modification under the CARES Act. I received the paperwork for the modification at the beginning of XX/XX/XXXX. The paperwork clearly stated to make 4 payments of XXXX over the next four months. I contacted XXXX XXXX and XXXX several times to clarify and make sure I was doing the right thing and would not mess up my credit. I was instructed to follow exactly what the loan modification letter stated to the letter. I made my 4 payments of XXXX on these dates : XX/XX/XXXX, XXXX, and XX/XX/XXXX. ( I received final approval paperwork in XXXX which I signed/got notarized and returned to XXXX XXXX XXXX. ) While I waited for the finalization of my modification I made XXXX, {$1000.00} payments on XX/XX/XXXX and XX/XX/XXXX. By XXXX the modification paperwork was finally approved ( NOTE : XXXX XXXX re-sent the modification paperwork to me in XXXX. They said I didn't need to have the document notarized. I called XXXX XXXX from the notary and a customer service rep spoke with the notary and told them where to notarize the document. XXXX XXXX stated that by having the document notarized I had defiled the paperwork and it was no longer valid. I had to re-submit all paperwork again. ) XXXX XXXX had been reporting me as delinquent on my account during this entire time this delay only added to their delinquent reporting. I made a payment of $ XXXX on XX/XX/XXXX. 
I was told this would not impact my credit. It was my understanding that I qualified for a loan modification under the XXXX XXXX. That is what XXXX and I had discussed when requesting the modification with XXXX XXXX. I made all of my payments on time if not a day or two early. I have all the banking statements to prove this. I've sent them to XXXX XXXX and several credit reporting agencies. XXXX XXXX has further dinged my credit report adding additional months late?!?! 
I am asking that my credit report be updated to reflect my payment history including the grace I was promised through the CARES act. I could not work my second job, had a XXXX XXXX, was struggling with the rising costs of everything and my daughter mental health plummeted during Covid and her care was costly.

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