Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX, original CFPB complaint number forwarded to the FTC with no response, is : XXXX, for unfair, scamming and/or deceptive trade practices, consumer fraud, and inaccurate credit reporting related to a timeshare purchase that turned out to be a points-based scheme with no real property value. 

I was misled into purchasing what I believed to be a valuable investment and that I could use it as an XXXX XXXX. Upon realizing it was part of a points-only system with skyrocketing fees and restricted access, I stopped payment and later found this listed as a foreclosure on my credit report. 

This is particularly troubling given the widespread reports and lawsuits against XXXX XXXX XXXX for fraudulent sales practices, regulatory lobbying to avoid oversight, and thousands of affected consumers nationwide. The reported " foreclosure '' is not a real property foreclosure and should not legally impact my credit. 

This misrepresentation violates : - Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) - Consumer Financial Protection Act ( 12 U.S.C. 5481 ) - Federal Trade Commission Act ( 15 U.S.C. 4158 ) - Deceptive Marketing Practices per 16 CFR 255 I request that your agency open an investigation and compel XXXX to remove the inaccurate derogatory information and cease deceptive practices. 

___________________________________________________________________ Here are key articles and resources detailing lawsuits and political activities involving XXXX XXXX XXXX : Class Action Lawsuits and Allegations Engineering the Law : XXXX  Class-Action Timeshare Battle In XXXX, a class-action lawsuit was filed against XXXX  Vacations Worldwide by XXXX and XXXX XXXX XXXX alleging that XXXX points-based timeshare system diluted the value of traditional timeshare ownership. The lawsuit claimed violations of the XXXX XXXX and other statutes. XXXX responded by lobbying the Florida XXXX to amend laws that could impact the case. 
Source : Florida XXXX XXXX XXXX XXXX Class Action Lawsuit Claims Buyers Were Defrauded This article discusses allegations that XXXX misrepresented the value and resale potential of its timeshare points, leading to financial harm for consumers. 
Source : Vacation Ownership Consultants Suit Filed Against XXXX Alleges Illegal Timeshare Scheme An Indiana couple filed a lawsuit claiming that XXXX  points-based timeshare program conveyed no real property interest, effectively selling a use license rather than actual ownership. 
Source : The Real Deal Political Lobbying and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX outlines its policies regarding political contributions and lobbying activities, including semiannual disclosures of state and local-level political contributions. 
Source : XXXX Investor XXXX XXXX Accused of Political Lobbying to Overturn Protective Timeshare Consumer Laws The Resort Development Organization ( RDO ), associated with timeshare interests, has been accused of lobbying efforts aimed at weakening consumer protection laws related to timeshares. 
Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sues XXXX Vacations Worldwide for Religious Discrimination The XXXX. XXXX XXXX XXXX XXXX filed a lawsuit against XXXX XXXX XXXX, alleging that the company failed to accommodate an employees religious practices, violating Title XXXX of the Civil Rights Act. 
Source : XXXX XXXX XXXX XXXX XXXX Targets XXXX Cruise Charges A class-action lawsuit alleged that XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX inflated port fees for cruises booked through XXXX XXXX XXXX  XXXX leading to a settlement offering refunds to affected members. 
Source : XXXX XXXX XXXX XXXX XXXX and Legal Actions 1. Allegations of Deceptive Sales Practices Deldar Injury Attorneys is actively investigating complaints regarding deceptive sales practices by XXXX XXXX XXXX. These include misrepresentation of property availability, exaggerated investment potential, high-pressure sales tactics, and omission of hidden fees and rising costs. Such tactics have left buyers feeling misled and financially burdened. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is under scrutiny over tens of thousands of suspect contracts, particularly in XXXX. XXXX XXXX XXXX ( XXXX ) has highlighted that XXXX continued writing illegal contracts, such as those involving floating time and contracts exceeding the maximum permitted 50 years, despite strict consumer laws enacted in XXXX. These practices have potentially affected many thousands of people. 

XXXX. XXXX XXXX : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX 

In XXXX, XXXX and XXXX XXXX filed a class-action lawsuit against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that XXXX  points-based XXXX XXXX misrepresented ownership interests. The suit claimed that purchasers were led to believe they were acquiring real property interests when, in fact, they received only a license to use certain properties. The lawsuit also alleged violations of the Florida Vacation and Timeshare Act. 


XXXX XXXX XXXX XXXX XXXX XXXX response to a class-action lawsuit filed by XXXX and XXXX XXXX XXXX which alleged deceptive practices in XXXX  points-based XXXX program, XXXX  Vacations Worldwide sought XXXX XXXX XXXX in Florida. The company, through the XXXX XXXX XXXX XXXX ( XXXX ) a trade group representing the timeshare industryworked with Florida legislators to propose amendments to existing timeshare laws. At the time, XXXX XXXX was XXXX XXXX, XXXX and XXXX of XXXX Vacations XXXX XXXX 

XXXX collaborated with XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX to introduce provisions that would affect the rights of legacy timeshare owners and the obligations of developers transitioning properties into broader resort networks. These legislative efforts coincided with the ongoing lawsuit, potentially impacting its outcome. 

XXXX XXXX XXXX XXXX, the parent company of XXXX XXXX XXXX, has a history of political contributions. According to XXXX, XXXX XXXX contributed {$350000.00} during the XXXX election cycle, with approximately 69 % going to Democratic candidates and 31 % to XXXX candidates. 

Relevant Laws and Case Law Florida Vacation and Timeshare Act : Regulates timeshare sales and marketing practices in Florida, aiming to protect consumers from deceptive practices. 
Fair Credit Reporting Act ( FCRA ) XXXX5 U.S.C. 1681s-2 ( a ) : Prohibits furnishers of information from reporting inaccurate information to credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Held that credit reporting agencies must go beyond the original source when investigating disputes. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Emphasized the duty of credit bureaus to ensure the accuracy of information. 

XXXX XXXX XXXX recent complaints against XXXX XXXX XXXX : XXXX the link below : XXXX XXXX XXXX

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