Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Re : Formal Complaint Regarding XXXX XXXX Mishandling of Account ( Account No. XXXX ) Dear XXXX, I am writing to file a formal complaint against XXXX XXXX for mishandling my auto loan account ( Account XXXX. XXXX ) and for potential violations of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
Nature of the Complaint : XXXX. Delayed and Inconsistent Payment Extension Offerings : In XX/XX/year>, I was informed by a XXXX XXXX representative that I had to pay my XX/XX/year> obligation to receive an extension for XXXX and XXXX. I called back later that same day and was initially denied the extension by a XXXX representative. However, when I called again and spoke with a XXXX woman representative, she approved the extension. This inconsistency raises serious concerns about potential XXXX discrimination in how my account was handled, which may constitute a violation of 15 U.S.C. 1691e under the XXXX. 
XXXX. Confusion Regarding Extension Terms : I verbally agreed that the extension would cover XXXX and XX/XX/year>, but the letter I received later stated that the extension applied to XXXX and XXXX. On XX/XX/year>, my XXXX payment was officially XXXX  days past due ; however, that was also the same day I fulfilled my XXXX obligation, meaning I was current at that time. I could have been offered an extension on that day to avoid any further late marks on my consumer report. Instead, I was not given full transparency regarding my options and was threatened with repossession unless my payment allocated for XXXX was made that day. This misleading information not only affected my understanding of my options but also caused unnecessary damage to my credit, as my XXXX and XXXX payments were ultimately reported as late. The lack of clarity in this process is concerning and may violate 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false or misleading representations in the collection of debts. 
XXXX. Inconsistent and Misapplied Payments : Additionally, my XX/XX/year> payment has not been properly reflected in my account, with " no data available '' showing for that month. XXXX XXXX has not clarified whether the payment was applied to XXXX, XXXX, or XXXX, leading to further confusion about my accounts status. If XXXX XXXX failed to accurately report my payment history or mishandled my account information, this could be a violation of 15 U.S.C. 1681o, which addresses civil liability for negligent noncompliance with the FCRA. 
Requested Action : I request that the CFPB investigate XXXX XXXX  mishandling of my payment extensions, the misallocation of payments, and the potential XXXX discrimination I experienced. I would like XXXX XXXX to correct any inaccurate reporting to the credit bureaus and ensure that no further late payments are reported due to the delayed extension offer. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX