Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6235452

Complaint Overview

Complaint ID: 6235452

Company: Experian Information Solutions INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Was not notified of investigation status or results

State: Florida

ZIP Code: 33032

Date Received: 2022-11-22T12:00:00-05:00

Date Sent to Company: 2022-11-22T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I have sent over to all 3 credit bureaus dispute request to update my late payments to current for these accounts listed below. Due to The CARES Act, which was signed into law XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis- but only under specific circumstances ( See 15 U.S.C 1681s-2 ( a ) ( 1 ) ( F ). ) ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. Due to this law I fall within the accommodation '' and coverage period. Late payments should not reflect my credit report during the periods listed in this law. I have asked for these late payments to be updated to as current or removed. I fell behind and was able to become current with both accounts. I DO NOT WANT THE ACCOUNTS DELETED JUST THE LATE PAYMENTS. First reported late payment in XXXX, ( XXXX ) which is determined within the 120 days. Actual late payment began from XX/XX/XXXX. XXXX XXXX XXXX Dates : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

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