I opened a home equity line of credit with XXXX XXXX XXXX Bank in XXXX with a set interest rate and automatic renewal provision in 10 year cycles - this account paid properly every month since origination. In early 2013 XXXX XXXX XXXX notified me that the equity line would be converted to a " installment type loan '' and modified to a set payoff schedule at XXXX the current payback schedule. I disagreed with the terms XXXX XXXX XXXX offered and continued to make regular on time monthly payment. 

In XXXX 2013 XXXX XXXX XXXX returned my payment with a letter stating that the bank would not accept further payments on this loan based on non-modified terms. In XXXX 2013 I attempted to make my payment at a XXXX XXXX XXXX Branch - which was refused. In XXXX XXXX XXXX XXXX filed a " pre-foreclosure '' and notified me of the pending legal proceedings. During this period ( XXXX through early XXXX ) the only contact available to us through XXXX XXXX XXXX was their " mortgage default department '' which was anything but helpful and kept suggesting/demanding I use a government HARP program for loan modification which I had no interest in using. 

Later in XXXX 2013 XXXX XXXX XXXX and I came to an agreement for a payback schedule at a set interest cost and set payments - all payments have been made on time before and since. This loan was never in default, although XXXX XXXX XXXX refused payments for several months. 

Experian continues to list this account as a foreclosure with over a year of missed payments - XXXX correctly list this loan with no " default-foreclosure-late payments ''. I have disputed the reporting several times through the standard Experian dispute process and Experian refuses to correct their reporting as so called " verified '' nor will they accept an appeal of their incorrect account listing information. 

My Experian XXXX scores are XXXX points below other credit agencies scoring due to this incorrect listing and are shown as recently late ( 2013 ). All XXXX of my reports ( XXXX Experian ) correctly show the new loan ( XXXX XXXX XXXX modified to set terms ) as paid - never late. 
