Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX XXXX  reported on my Experian credit report that foreclosure proceedings started and that I was 180 days past due. This information is incorrect and misleading. 

My home was sold on XX/XX/year>, and XXXX XXXX XXXX XXXX  was paid in full at closing. No foreclosure sale occurred, the loan was satisfied, and the debt was brought current through the sale proceeds. I have attached my Closing Disclosure, Settlement Statement, and documentation showing the mortgage was paid off in full on XX/XX/year>. 

Despite this, XXXX XXXX XXXX XXXX continues to furnish an active foreclosure status dated XX/XX/year>. They verified this incorrect information in a recent Experian dispute, even though the account should be reporting as : Paid in full / mortgage satisfied Closed as of XX/XX/year> {$0.00} balance No active foreclosure proceedings This inaccurate reporting is harming me by causing rental application denials and misrepresenting my creditworthiness. XXXX XXXX XXXX XXXX is violating its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) and ( b ) ) by failing to furnish accurate, current information and by failing to properly investigate and correct the account status after a dispute. 

I am requesting that the CFPB require XXXX XXXX XXXX XXXX to update the account to reflect the correct status : paid in full through sale with no foreclosure, and remove all references to foreclosure proceedings starting in XX/XX/year>. 

In addition, one of the other major credit reporting agencies is already reporting this mortgage account correctly as paid and closed, consistent with the closing of the property on XX/XX/year>. Experian is still showing an active foreclosure proceeding. 

Because the apartment complex I am applying to uses Experian exclusively, this inaccurate reporting is directly causing rental denials and financial hardship. This inconsistency between credit bureaus further demonstrates that XXXX XXXX XXXX XXXX  reporting to Experian is incorrect, incomplete, and in violation of the FCRA requirement to furnish accurate and uniform information. 

Additional Supporting Evidence Attached is an email dated XX/XX/year> from the foreclosure counsel confirming that the scheduled foreclosure sale for XX/XX/year> was cancelled and never rescheduled. This demonstrates that foreclosure was not proceeding at the time XXXX XXXX XXXX XXXX  later reported Foreclosure proceedings started as of XX/XX/year>. 

My home sold on XX/XX/year>, and XXXX XXXX XXXX XXXX  was paid in full. Reporting an active foreclosure for XX/XX/year> is factually inaccurate and misleading, despite XXXX XXXX XXXX having notice of the cancelled foreclosure sale prior to the closing.

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