Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding severe inaccuracies, fabricated reporting, and abusive loan-servicing practices connected to my auto loan ( Account No. XXXX ). 

I obtained this loan on XX/XX/XXXX, for approximately {$11000.00} to purchase a XXXX XXXX XXXX. My contractual payment was {$350.00} per month, but XXXX billed me {$420.00} monthly, adding an unexplained {$73.00} increase every cycle. 

Between XX/XX/XXXX and the final repossession in XX/XX/XXXX, I made about 40 months of payments totaling between {$14000.00} and {$17000.00}, not including more than {$6000.00} in repossession fees across three repossessions, including one that occurred the day I returned from serving 65 days as a firefighter during a California state-declared emergency. Despite these substantial payments, XXXX claimed in XX/XX/XXXX that I still owed {$5100.00}, which is consistent with predatory or negative-amortization loan practices. 

Critically, XXXX failed to report any of my payments from XX/XX/XXXX through XX/XX/XXXX, suppressing 2 years of positive payment history. After the final repossession in XX/XX/XXXX and the Notice of Intent to Sell dated XX/XX/XXXX, the loan should have been closed, yet XXXX continues to report fabricated delinquencies every month from XXXX through XXXX, a false last payment date of XX/XX/XXXX, 74 months of derogatory marks on a XXXX loan, and an increasing balance ( currently reported as {$8200.00} as of XX/XX/XXXX ). These entries are impossible and internally inconsistent. 

XXXX also reports charge-off activity but has never issued a required XXXX, raising additional compliance concerns under XXXX XXXX. XXXX. 

Their conduct appears to violate multiple sections of the FCRA, including XXXX ( a ) ( inaccurate/incomplete furnishing ), XXXX ( b ) ( failure to investigate ), XXXX ( b ) ( maximum possible accuracy ), XXXX ( duty to reinvestigate and delete unverifiable information ), and XXXX ( prohibition on fabricated post-closure activity ). 

Supreme Court cases XXXX XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ) further confirm that false credit reporting causes concrete harm and that reckless or knowing FCRA violations constitute willfulness.

As a result of Lobels false reporting, my credit score has been severely damaged, I can not qualify for even a {$200.00} credit card despite earning over {$500000.00} per year through my business, and I have suffered significant financial and reputational harm. 

I respectfully request that the CFPB investigate XXXX XXXX, require a full accounting of all payments, fees, repossessions, and balance calculations, and direct them to correct or delete inaccurate information including missing XXXX payments, fabricated delinquencies from XXXX, the false XXXX last payment date, the inflated balance, and charge-off inconsistencies. 

I also request clarification as to whether the debt was cancelled and why no XXXX was issued if it was. 

I have extensive documentation available, including billing statements, repo records, credit reports, screenshots of inaccurate reporting, payment totals, and receipts for repossession fees, and can provide these upon request.

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