Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
This letter serves as a formal complaint, Notice of Error, and dispute of inaccurate credit reporting related to the above-referenced mortgage account. The issues outlined below reflect material inaccuracies, misrepresentations, and failures to comply with federal and Georgia law. 

ISSUES AND VIOLATIONS 1. Inaccurate Credit Reporting False 180 Days Past Due Status ( XX/XX/XXXX ) Facts  XXXX  approved me for a Trial Modification Plan dated XX/XX/XXXX. 
The Plan required three payments of {$2500.00} due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and expressly replaced my regular monthly mortgage payment during the Plan term. 
I timely made all three trial payments via ACH : o XX/XX/XXXX o XX/XX/XXXX o XX/XX/XXXX On XX/XX/XXXX, XXXX issued the Final Modification Agreement, allowing execution through XX/XX/XXXX. 
The first payment under the permanent modification is not due until XX/XX/XXXX. 
Despite the above, XXXX reported my account as 180 days past due for XX/XX/XXXX, which is factually incorrect and unsupported by the loan documents or payment history. 
Applicable Statutes Violated Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( Furnishing information that is inaccurate or misleading ) 15 U.S.C. 1681s-2 ( b ) ( Failure to reasonably investigate and correct inaccurate information upon notice ) during my phone call with a relationship manager on XX/XX/XXXX. 
Georgia Fair Business Practices Act ( GFBPA ), O.C.G.A. 10-1-393 ( a ) ( Unfair or deceptive acts or practices in consumer transactions ) 2. Misrepresentation of Loss-Mitigation and Reporting Obligations During Trial Modification In its XX/XX/XXXX CFPB response XXXX XXXX stated XXXX We suppressed the negative information we provided in XX/XX/XXXX, and there will be no further delinquent reporting until the modification is completed. 
Reporting the account as 180 days past due in XX/XX/XXXX directly contradicts XXXX  own written representation and constitutes a material misrepresentation regarding account status during an active loss- mitigation process.

Applicable Statutes Violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( Reporting information with actual knowledge of errors ) O.C.G.A. 10-1-393 ( b ) ( 5 ) & ( b ) ( 7 ) ( Misrepresenting characteristics or legal status of a transaction ) 3. False Statement Regarding Forbearance Approval Documentation In the same XX/XX/XXXX letter, XXXX stated : We did not receive any documentation from XXXX XXXX XXXX ( prior servicer ) indicating that the account was approved for a Forbearance Plan when it was transferred to SPS. 
This statement is factually incorrect. The loan was in an approved forbearance status prior to transfer, and SPS subsequently placed the account into a loss-mitigation review that resulted in approval of a Trial Modification Plan. The assertion that no documentation existed misrepresents the accounts servicing history and materially affected how XXXX reported the account to consumer reporting agencies. 
Applicable Statutes Violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( Furnishing inaccurate information ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( Failure to correct and update information ) O.C.G.A. 10-1-393 ( b ) ( 12 ) ( Knowingly misrepresenting material facts in a consumer transaction ) 4. Failure to Ensure Maximum Possible Accuracy By reporting severe delinquency while : an approved Trial Modification Plan was active, all required payments were made, and no contractual payment due until XX/XX/XXXX XXXX failed to ensure maximum possible accuracy of the information furnished to consumer reporting agencies.

Applicable Statutes Violated 15 U.S.C. 1681e ( b ) ( as applied through furnisher obligations )

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