Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
( RE : XXXX XXXX  and Experian Whitewashed Credit History & Unjustified Closure I am submitting this complaint to report an alarming act of deceptive credit reporting and possible regulatory evasion involving XXXX XXXX  and Experian, as well as the unexplained closure of my XXXX  credit account under false pretenses. 
XXXX XXXX  reported new derogatory updates to my credit file with Experian around XX/XX/year>, while I had active, unresolved disputes with XXXX through the CFPB, the OCC, and the New York Attorney General. These derogatory entries included : A XXXX late payment. 

An over-limit status. 

An abrupt account closure. 

These updates appeared on my Experian credit report only after escalating my complaint to the NY Attorney General, compounding emotional distress and further damaging my credit profile. No notice was ever provided about the closure. I learned about it by checking the bureaus manually. 
But what is most concerning is what followed : XXXX and Experian appear to have whitewashed this derogatory history once regulatory oversight began to take effect. 

Evidence of Whitewashing / Backtracking : Immediately after my very recent CFPB complaints were filed : The XX/XX/year> XXXX delinquency was completely removed from my Experian report. 

The account now shows 60 days late in XXXX a timeline that contradicts their original justification for closing the account. 

No delinquency is recorded for XXXX at all now ( Despite Experian retroactively replacing XXXX XXXX with 60 days past due on the previous report ). 

A generic consumer dispute statement was added, but no correction notice was sent to me. 

Despite this, the account remains closed, and XXXX continues to demand {$360.00} in XXXX, with interest and late fees still piling up. 

This change in reporting is deceptive and appears to be a coordinated effort by XXXX and Experian to : Minimize evidence of misconduct. 

Preemptively sanitize the record in response to government complaints. 

Keep me in an artificially delinquent and over-limit status to justify ongoing fees. 


Why This Is a Serious Problem : Closure Not Justified by Revised Timeline : If I am only 60 days late in XXXX, then there is no legitimate reason for XXXX  to have closed my account. Account closures for delinquency generally require XXXX days past due ; which they have now erased/adjusted. 

Contradictory Reporting : XXXX credit history now claims no past-due balance in XXXX, no XXXX delinquency ever occurred, and only reflects 60 days late in XXXX. This contradicts XXXX own prior reporting and undermines the stated basis for closure. 

Other Bureaus Still Reflect the Original Harm : XXXX  XXXX derogatory update remains visible on XXXX, and XXXX  has not yet been updated ( possibly now delayed on purpose ). This inconsistency is further evidence of manipulation or selective damage control. 

Consumer Confusion and Interference : These shifting records prevent me from disputing the closure properly, interfere with ongoing complaint processes, and erode the integrity of the credit reporting system. It also obstructs my ability to recover financially from the damage already done. 

Additional Notes ( Updated XX/XX/XXXX ) : As of today, XX/XX/XXXX, I received a physical billing statement from XXXX  for the month of XXXX, even though the account is listed as closed on my credit reports. The bill demands a minimum payment of {$360.00}, claims the account is {$280.00} past due, and shows me as {$27.00} over limit. The new total balance is {$2400.00}, an increase from the original amount ; despite the fact that Im actively disputing the account and have not made new charges. Its clear the balance continues to grow entirely due to late fees and interest charges, which appears retaliatory and predatory. 
Even more alarming, the bill breaks the balance into two interest rates : {$150.00} is accruing interest at 29.49 %, while {$2200.00} is under a so-called promotional 9.99 % APR. 

No clear explanation has ever been provided for the split. This somehow seems deceptive, especially given the context of my ongoing disputes and active complaints. 
In parallel, Experian erased the XXXX delinquency history from XXXX within less than 48 hours of my CFPB complaint, replacing it with a XXXX past-due mark in XXXX and marking XXXX as blank, also altering their prior reporting history completely. This of course appears to be coordinated damage control, and not a genuine correction. 
Finally, I find it disturbing that XXXX continues to issue statements and add interest as if the account were still open, while reporting it closed and disputed to the credit bureaus. This dual behavior creates great confusion, increases financial harm, and obstructs the complaint and dispute process. 
P.S Due to the severity of the situation and the evolving nature of the reporting, I inadvertently submitted XXXX complaints regarding XXXX XXXX. Both received responses from XXXX, as well as a confirmation from XXXX  that they are actively reviewing the dispute. However, Experian, despite being the only bureau that made rapid and sweeping changes to XXXX reporting ; has failed to respond at all. Their silence is deeply concerning and further suggests that their reporting decisions were not neutral, but potentially influenced by the very complaints they are now ignoring.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation