Consumer complaint received 2025-08-18 00:00:00
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.
State: CT

Complaint narrative:
I am filing this formal complaint against XXXX XXXX and : Experian, XXXX, or XXXX  for violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and related consumer protection laws. 

Recently, I discovered that my mortgage account has been reported with late payment notations that were either changed retroactively or inaccurately updated by the mortgage servicer and reflected on my consumer credit report. These actions are improper and violate my rights under federal law.

Basis of Complaint Violation of FCRA 607 ( b ) Maximum Possible Accuracy The FCRA requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. By reporting inaccurate late payments or modifying past payment history without proper verification, the credit bureau has failed this statutory obligation.

Violation of FCRA 623 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information The mortgage servicer, as a furnisher of information, is prohibited from furnishing information relating to a consumer that it knows or has reasonable cause to believe is inaccurate. Changing the status of prior payments to late when they were not late is a direct violation.

Violation of FCRA 611 ( a ) Failure to Properly Investigate Disputes I previously disputed this account, yet the credit bureau failed to conduct a proper investigation as required by law. Instead, it simply parroted the mortgage companys reporting without providing supporting documentation. This constitutes a failure of reasonable reinvestigation under 611 ( a ).

Unfair and Deceptive Acts ( UDAAP ) Dodd-Frank Act, 12 U.S.C. 5531 & 5536 Retroactively changing payment history to reflect lates that did not occur is deceptive, unfair, and materially damages my creditworthiness, impacting my ability to obtain fair credit terms. 

Requested Relief I respectfully request that the CFPB : Investigate XXXX XXXX for improper furnishing of inaccurate payment history. 

Investigate Experian, XXXX  XXXX XXXX  for failure to follow reasonable procedures to assure accuracy and failure to conduct a proper reinvestigation. 

Require immediate correction or deletion of the disputed late payment notations from my credit file. 

Impose penalties and compliance requirements to prevent future misconduct by the entities involved. 

Supporting Documents I am enclosing : A copy of my credit report with the disputed late payments highlighted. 

This inaccurate reporting has already caused material harm to me, including lowering my credit score, impacting my access to credit, and causing XXXX XXXX. 

I appreciate your urgent attention to this matter. Please provide me with updates regarding the investigation and any corrective actions taken.

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