Reporting my mortgage 210 days late
I’ve been paying child support arrearage for years. Experian continues to report “FP” Failure to Pay and a wrong balance on the amount due. They’ve refused to fix it claiming that the Dispute has been validated. Their incorrect reporting is affecting my credit score and at times it has resulted in being denied credit. This has gone on for a very long time.. I have copies of payments and documentation with the correct balances.
I’m in a perpetual Experian created problem that takes me hours to fix each time. I have been a victim of identity theft but having a credit freeze and fraud alert is a major handicap to just conducting daily business as a business owner. The two other agencies TransUnion and Equifax are simpler to fix, although it takes about an hour each time this happens, to fix the problem by going thru a series of questions to prove your identity. With Experian you CAN’T speak to a person. It us only an automated voice mail. If you day the word fraud or alert (to remove their mistake) you are told they have reinstated another freeze and will also notify the other agencies. So then the cycle starts all over.
I have an account that was opened in March of 2012 and 1st delinquency date is April of 2012. I Submitted a dispute based on statute of limitations being exceeded and they refuse to remove it from my report. Iwent through the same process with both Equifax and TransUnion and had no issues removing the account (Peak Acceptance) from my report. Not only has Experian refused to remove it from my report they now have the date to come off my bureau set at January of 2028. So 10 years on top of the statute of limitations…they are obviously on the side of the dispurser and have no regard for whom they are actually effecting.
I have provided several police reports, per Experian representative’s request, regarding a collection account that is on my Experian report as a result of fraud and identity theft. Experian refuses to remove and or block the fraud account from my credit report and further will not assit me in sending in specific detailed requirements in order to assit me with the fraud account removal.