Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
To Whom It May Concern, I am disputing all negative reporting by XXXX XXXX regarding my FHA mortgage as inaccurate, unlawful, and in direct violation of multiple federal laws and accounting standards. Specifically : Key Violations Committed by XXXX XXXX  : XXXX. CARES Act Violation ( XXXX XXXX XXXX, Section XXXX ) : Under federal law, no late payments may be reported to credit bureaus during an active forbearance. My mortgage was under an unemployment-based forbearance plan throughout the disputed time. XXXXXXXX XXXX  acknowledged this by labeling my account as Payment Deferred, yet they still reported me as XXXX and XXXX days late a direct contradiction and a violation of the CARES Act and the FCRA XXXX 

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & 1681i : XXXX XXXX reported materially false, inconsistent data and failed to provide accurate consumer information. They also denied prior dispute attempts without addressing the substance of the claim or correcting the inaccuracies.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

XXXX XXXX has failed to produce mandatory disclosures regarding the actual creditor, loan balance application, and amortization calculations as required under Regulation Z.

4. Failure to Provide GAAP-Compliant Accounting Ledger : Per Generally Accepted Accounting Principles ( GAAP ), a full accounting ledger showing the disbursement of funds, interest accrual, and amortization schedule must be made available to the borrower upon request. Despite repeated demands ( faxed and emailed ), XXXX XXXX  has failed to comply, thereby violating consumer rights and banking compliance standards. 
5. No Original Wet-Ink Promissory Note Provided ( Violation of 15 U.S.C. 1635 ( b ) ) : XXXX XXXX  has yet to produce the original signed promissory note with proper endorsements, chain of custody, or assignments. Without this, the debt can not be legally enforced. 

XXXX. Due Process Violation ( XXXX and XXXX Amendments ) : I was never lawfully notified of any foreclosure proceedings. In fact, I was only informed of foreclosure status on XX/XX/year>, during a recorded call with a XXXX XXXX  agent long after payments had been made and communications were still ongoing. This is a blatant breach of due process. 

Please note XXXX payments was submitted in XX/XX/year> and XXXX payment submitted in XX/XX/year> all while in active communication for my options for extension of forbearance and options for partial claim loan actively talking to XXXX XXXX multiple times a month each month and facing and emailing. They are XXXX. Remove the negative remarks off my credit report for XXXX, XXXX and XXXX NOW CEASE AND DESIST ALL REPORTING UNTIL THE LEGALLY REQUESTED DOCUMENTS TO VERIFY DEBT ARE RECEIVED!!!

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