Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding highly inappropriate, inaccurate, and potentially unlawful conduct related to a debt listed by Experian and reported by a company called XXXX. 

XXXX. XXXX and XXXX XXXX XXXX Experian provided me with a phone number listed for XXXX. When I called the number, it connected me directly to a XXXX explicit hotline. This was not only offensive and distressing, but also completely inappropriate and misleading. As a religious individual, I found this experience to be harassing and morally violating. 

Due to the seriousness of this matter, I intend to seek legal assistance regarding the emotional distress and possible violations of consumer protection and harassment laws. Providing false or inappropriate contact informationespecially XXXX that connects consumers to XXXX explicit contentmay violate provisions under : Fair Debt Collection Practices Act ( XXXX  ) : Debt collectors and reporting agencies are prohibited from using harassment, abuse, or deception in the collection of debts. 

Unfair, Deceptive, or Abusive Acts or Practices ( XXXX  ) under the Dodd-Frank Act, which protects consumers from deceptive or harmful practices by financial institutions or related entities. 

XXXX XXXX XXXX, as the misrepresentation of phone contact for financial or debt-related purposes that leads to adult content XXXX also fall under communications fraud and misrepresentation statutes. 

XXXX. False and XXXX XXXX XXXX XXXX has admitted to reporting false information on my credit report, including inaccurate balances and original amounts owed. This is damaging to my credit and violates the Fair Credit Reporting Act ( XXXX  ), which requires that all information furnished to credit bureaus be accurate and verifiable. 

XXXX. Refusal to Resolve the Debt in Good Faith I have made multiple good-faith offers to pay the debt in full, with the reasonable condition of receiving a written agreement that the negative tradeline would be deleted or the account removed upon payment. XXXX has refused all such offers, denying me the opportunity to resolve the issue responsibly. This conduct further demonstrates bad faith and lack of cooperation on their part. 

I am requesting that the CFPB : Investigate the inappropriate and misleading contact information associated with this debt. 

Address and demand correction of the inaccurate information reported to Experian by XXXX. 

Examine XXXX refusal to accept reasonable payment offers, which undermines a consumers right to resolve debts. 

Consider this case for regulatory action due to the serious violations and consumer harm involved. 

Demand that XXXX XXXX and Experian publically announces the use of XXXX content in terms of providing customer service numbers This matter has caused me emotional distress, reputational damage, and financial hardship, and I respectfully request immediate and thorough review.

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