Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4964542
Complaint Overview
Complaint ID: 4964542
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Virginia
ZIP Code: 220XX
Date Received: 2021-12-01T12:00:00-05:00
Date Sent to Company: 2021-12-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The reason being that I have made on time payments, however they were not used to pay my balance, instead they were placed on my escrow account. My mortgage payment on XX/XX/XXXX was not moved to pay my account as the taxes that year have changed. I called the same month to try to pay the balance, but was told I could not do that, that a check would be sent to my with my payment and I would have to make another payment with the entire amount. I have never received said check. Since then, XXXX has reported my payments being late, even though I have always made on-time payments ( I have set up automatic draft from my bank ). I continued calling XXXX to try make corrections since XXXX!. In XX/XX/XXXX, I again spoke to a representative and they were supposed to move the payment from XX/XX/XXXX ( which was in a reserve account and not applied to my monthly bill ) into my monthly bill payment, Again, this did not occur. I tried calling again to get this fixed, and each time a representative would come up with a different solution but nothing was done. Finally on XX/XX/XXXX, I got through a representative that corrected the issue. They stopped the late fees, moved my payments from XX/XX/XXXX and XX/XX/XXXX from reserves into account payment. Now my account is balanced. More than a year later! This has greatly affected me. XXXX Mortgage has been reporting late payments for over a year to all three credit agencies, which has damaged my credit score. Furthermore, I have been charged with late fees that should not be there. I have contacted XXXX in writing on XX/XX/XXXX, as well as the 3 credit buraus, XXXX has denied any wrong doing. I have NOT been late on my payments from XX/XX/XXXX to the present. Also, I though there was supposed to a cushion in Escrow account to prevent any changes in payments.
Frequently Asked Questions
What is Complaint #4964542 about?
Complaint #4964542 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-12-01T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.