Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding severe inaccuracies on my credit reports from XXXX, Equifax, and Experian, concerning a credit builder account ( Loan ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My " SELF DEBT VALIDATION '' letter ( XX/XX/XXXX ) confirms the loan was terminated on XX/XX/XXXX, due to being " past due over 80 days. '' It also details failed payments in XX/XX/XXXX and XX/XX/XXXX. My credit reports show numerous discrepancies, indicating a failure by consumer reporting agencies and the furnisher to ensure accuracy and completeness, as required by FCRA Sections 607 ( b ) and 623 ( a ). Specific Inaccuracies and FCRA Violations : XXXX Report ( Reported : XX/XX/XXXX ) : Inaccurate Payment History : Reports XX/XX/XXXX and XX/XX/XXXX payments as " Paid on time, '' contradicting my debt validation letter 's record of failed payments on XX/XX/XXXX, and XX/XX/XXXX. Understated Delinquency : Lists " XXXX XX/XX/XXXX Days Late '' as XXXX. However, the loan was terminated for being " over 80 days past due, '' implying a XXXX late mark should be present. Equifax Report ( Reported : XX/XX/XXXX ) : Grossly Inaccurate Last Activity Date : Falsely states " Last Activity '' as XX/XX/XXXX. My loan terminated on XX/XX/XXXX. Reporting activity nearly XXXX years post-termination is a severe error. Completely False Payment History : Shows almost all payments from XX/XX/XXXX through XX/XX/XXXX as " on time. '' This is false, ignoring failed payments and termination for severe delinquency. Reporting payments for XXXX and XXXX for a closed account is a clear accuracy violation. Inconsistent Delinquency Reporting : Lists " XXXX XX/XX/XXXX Days Late '' as XXXX, conflicting with the " 96 % on time '' claim and " over 80 days past due '' termination. Experian Report ( Reported : XX/XX/XXXX ) : Inaccurate Payment History : Inaccurately shows XX/XX/XXXX and XX/XX/XXXX payments as " on time, '' despite documented failed payments. Inconsistent Delinquency Reporting : Shows XX/XX/XXXX as " Paid on time. '' Given prior XXXX and XXXX late marks ( XXXX XXXX ) and termination for being " over 80 days past due '' by XX/XX/XXXX, this status is highly inaccurate. These inaccuracies fundamentally misrepresent my credit history, potentially harming my creditworthiness. The FCRA mandates " maximum possible accuracy '' ( 607 ( b ) ) and accurate furnishing of information ( 623 ( a ) ). The detailed errors indicate a clear failure to comply. I respectfully request the Federal Trade Commission investigate these violations and compel XXXX  Equifax, Experian, and XXXX XXXX XXXX  ( Self ) to correct these inaccuracies immediately. I also request appropriate enforcement actions to ensure future FCRA compliance. Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. Sincerely,

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