Consumer complaint received 2025-08-06 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: MO

Complaint narrative:
Procedural Abuse, Retaliation, Willful FCRA & CFPA Violations Unlawful Reinsertion of Deleted Late Payment I have spent months, if not years, attempting to amicably correct fraudulent reporting. I now believe Experian is intentionally trying to damage my financial reputation and must be held fully accountable to the maximum degree as possible. 

Experian had already corrected the record following my submission of proof from XXXX XXXX confirming the payment in question was only 28 days late and not reportable under XXXX XXXX or FCRA. On XX/XX/XXXXXXXX, XXXX XXXX admitted this in writing and confirmed the correction was sent to Experian. Experian updated my file accordingly. 

Shortly after I filed CFPB complaints and issued a Notice of Intent to Arbitrate, Experian reinserted the same false late payment without providing the legally required 5day reinsertion notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This conduct is not only unlawful but appears to be retaliatory and designed to harm my financial standing. 

Statement of the Case : This complaint concerns Experians willful and retaliatory reinsertion of a previously deleted late payment on my Apple Card account ( issued by XXXX XXXX XXXX XXXX ) after I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and issued a formal Notice of Intent to Arbitrate. 

Timeline of Events : 1. XX/XX/XXXX Experian reported my XXXX XXXX account as 30 days late. 
2. XX/XX/XXXX After multiple disputes, I provided written evidence from XXXX XXXX showing the payment was only 28 days late. Under XXXX XXXX and FCRA, 28 days is not reportable as 30day delinquency. 
3. XX/XX/XXXX XXXX XXXX admitted the error in writing and confirmed Experian was notified to correct the record. 
4. XX/XX/XXXX Experian updated my file, removing the false late payment. 
5. XXXX XXXX XXXX I filed CFPB complaints and sent Experian a formal arbitration demand. 
6. Shortly afterward Experian reinserted the same false 30day late payment without providing the legally required 5day reinsertion notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Violations : FCRA : 1681e ( b ) Failure to maintain maximum possible accuracy.

1681i ( a ) Failure to conduct a reasonable reinvestigation.

1681i ( a ) ( 5 ) ( B ) Illegal reinsertion without notice.

1681s2 ( b ) Furnishers duty to correct inaccurate information.

CFPA : 12 U.S.C. 5531 ( c ) Engaging in unfair acts or practices.

12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Violation of federal consumer financial law.

Retaliation against a consumer for exercising rights under federal law.

Retaliation Theory : The timing and nature of Experians reinsertion demonstrate clear retaliation for my filing of CFPB complaints and arbitration demand. The action served no purpose except to reharm my credit profile, cause emotional distress, and deter further exercise of my legal rights.

Procedural Abuse & Egregious Pattern : Experians handling of my disputes mirrors the systemic misconduct described in the CFPBs 2025 lawsuit against Experian ( Case No. XXXX ), including : Mischaracterizing dispute codes to downplay the nature of my dispute. 
Overreliance on unverified furnisher responses without meaningful review. 
Failure to forward my supporting documentation to the furnisher. 
Ignoring clear proof of inaccuracy in order to keep derogatory data on my report. 

I believe this is part of an egregious pattern of procedural abuse designed to profit from consumers negative credit by artificially lowering scores, which drives demand for paid credit monitoring services, discourages credit applications, and benefits debt collection interests. This practice is not only harmful but also predatory. 

Impact : This false reinsertion caused : Immediate score drop and loss of favorable credit terms. 
Denial of financing opportunities. 
XXXX XXXX  from ongoing credit harm. 
Time and expense to monitor and redispute the same false information. 

Requested Relief : I am requesting : 1. Immediate deletion of the reinserted late payment.

2. Written certification from Experian that it will not reinsert the tradeline without full verification and compliance with FCRA notice requirements.

3. Monetary relief for actual and statutory damages for willful noncompliance, as permitted under 15 U.S.C. 1681n and 12 U.S.C. 5565.

4. Referral of this matter to the CFPBs enforcement division for investigation into Experians retaliatory dispute practices, consistent with CFPB v. Experian, Case No. XXXX. 

This is not just a mistake it is an adverse action taken directly after I exercised my rights. The sequence of events and timing demonstrate a retaliatory motive in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5565, which prohibits unfair and abusive practices, including retaliation against consumers for asserting their rights. 

I am also submitting this matter to the CFPB as part of a broader enforcement request because it demonstrates an intentional, retaliatory, and profitdriven abuse of consumer rights.

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