Consumer complaint received 2025-10-07 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: OR

Complaint narrative:
Subject : CHFA Reported Retroactive 90-Day Delinquency After Forbearance, in Violation of CARES Act 4021 and FCRA 623 ( a ) ( 1 ) ( A ) -- - Statement : I am filing this complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for knowingly and unlawfully reporting a delinquency to credit bureaus immediately after my forbearance ended, despite admitting that I was told my credit would not be harmed and that no payments were to be reported delinquent during forbearance. 

In XXXX  XX/XX/year> response to my prior complaint ( CFPB # XXXX ), they stated : > You expressed concerns about being misinformed regarding the terms of your forbearance and the reporting of your loan as delinquent despite being advised that your credit would not be impacted. 



and also : > Throughout the forbearance period, payments are not reported as delinquent to the credit agencies. 



Despite acknowledging both of these facts, XXXX contradicts itself later in the same response, stating : XXXX After the forbearance ended, the loan was expected to be reinstated for the suspended months Because we did not receive full payment for XXXX in time, the account was reported as over 30 days delinquent for XXXX and XX/XX/year>. 



In reality, XXXX reported a XXXX delinquency, covering the three forbearance months ( XXXX XXXX ) months they explicitly admitted were not to be reported delinquent. 
This action was retroactive, misleading, and unlawful. 

On XX/XX/year>, XXXX approved an FHA Recovery Standalone Partial Claim, which created a new subordinate lien that fully covered the missed forbearance payments. Once that lien was executed, the past due balance became {$0.00} meaning there was no delinquency to report. 
The HUD claim satisfied the skipped payments in full, making me current. 

By reporting all three forbearance months as delinquent after the fact, XXXX knowingly furnished false and misleading information. Under CARES Act 4021, if a borrower was current when an accommodation ( forbearance ) was granted, the servicer must continue to report the account as current throughout the accommodation. Retroactively reporting those months as delinquent directly violates that law. 

Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) : > A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



CHFAs own correspondence proves they knew the HUD lien satisfied the balance and that forbearance months were protected from delinquency reporting. Reporting derogatory statuses after the lien was in place constitutes a knowing violation of the FCRA. 

This false reporting caused substantial credit damage to both me and my spouse, dropping our scores by nearly XXXX points within days of forbearance ending. CHFAs explanation is not just inconsistent it is a direct breach of federal credit-reporting protections. 




Supporting Evidence : XXXX CFPB Response dated XX/XX/year> ( Closed with Explanation ) FHA Recovery Standalone Partial Claim approval ( XX/XX/year> ) and signed agreement ( XX/XX/year> ) Credit reports showing the XXXX delinquency after forbearance Recorded call ( XXXX ) where XXXX assured XXXX my credit would not be impacted Complaint Summary XXXX  admitted I was told my credit wouldnt be harmed but retroactively reported a delinquency for forbearance months already covered by a HUD lien violating CARES Act 4021 & FCRA 623 ( a ) ( 1 ) ( A ).

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