Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX 
Credit Bureaus Involved : XXXX, Experian Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX for repeated and ongoing false, deceptive, and inaccurate credit reporting to the consumer reporting agencies ( XXXX  and Experian ). XXXX  is engaging in unfair and deceptive practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which has caused and continues to cause irreparable harm to my credit profile. 

Details of Inaccurate Reporting : False Delinquency Reporting : On XX/XX/XXXX, Upstart falsely reported my payment as 30 days late, despite timely payments being received via ACH auto-draft from my bank account. 

These inaccurate reports have appeared on both my XXXX  and Experian credit files, misrepresenting my payment history and damaging my credit standing. 

Pattern of Misrepresentation Over Time : XXXX  has repeatedly altered and misreported my payment history over the last twenty-seven ( 27 ) months, including but not limited to the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each instance has reflected either false late payments or mischaracterized account status, despite proof that payments were either made on time or placed into deferment. 

Improper Fees Without Consent : Beginning on XX/XX/XXXX, XXXX has been charging my bank account random {$15.00} fees without my prior consent or signature authorization. 

To date, these unauthorized fees total {$220.00} in 2025. 

Account Information : Loan issued by XXXX XXXX XXXX XXXX on XX/XX/XXXX Loan term : 60 months Violations : FDCPA Violations : Misrepresenting debt status and engaging in deceptive practices to harm my credit reputation. 

FCRA Violations : Failure to ensure maximum possible accuracy of information furnished to consumer reporting agencies. 

UDAP Concerns ( Unfair, Deceptive, or Abusive Acts or Practices ) : False reporting, unauthorized fees, and deliberate actions designed to sabotage my credit score.

Relief Requested : Immediate removal of all inaccurate late payment notations from my XXXX  and Experian credit reports, including but not limited to entries dated XX/XX/XXXX, and prior dates listed above. 

A full investigation into XXXX XXXX XXXX XXXX credit reporting practices. 

Refund of all unauthorized {$15.00} fees charged to my bank account in XXXX, totaling {$220.00}. 

Assurance that future payments will be accurately reported in compliance with FCRA and FDCPA. 

Conclusion : XXXX XXXX XXXX XXXX has engaged in a consistent pattern of false reporting and unauthorized fee collection that is damaging my financial reputation and credit profile. I respectfully request the CFPB investigate these violations, hold XXXX accountable, and ensure that the requested relief is granted.

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