Consumer complaint received 2025-09-02 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: CO

Complaint narrative:
RETALIATION-RETALIATION-RETALIATION! DO NOT CLOSE THIS COMPLAINT AS A DUPLICATE. I SEE EXACTLY WHAT UPSTART IS DOING, AND THE CFPB HAS STRONGLY RECOMMENDED THAT I FILE ANOTHER COMPLAINT. YOU TOOK 7 DAYS TO RESPOND WHEN EVERY OTHER PARTY RESPONDED IN UNDER 1 BUSINESS DAY. YOU ARE MARKING COMPLAINTS CLOSED AS DUPLICATES TO BURY EVIDENCE AND AVOID REGULATORY ACTION. ANSWER EVERY SINGLE QUESTION I HAVE ASKED AND PROVIDE EVERY DOCUMENT I REQUESTED. 

Please see the information below regarding a complaint that was improperly closed AS A DUPLICATE, which appears to have allowed XXXX to cover their actions. This complaint included clear evidence of retaliation, discrepancies in charge-off dates, and other serious issues that must be reviewed on their own merits. On XX/XX/XXXX, I filed a CFPB complaint. On XX/XX/XXXX, XXXX responded in the portal stating they were looking into it. On XX/XX/XXXX, the very next day, they charged off my account. This is deeply concerning because their own representative, XXXX, had already informed me the charge-off date was XX/XX/XXXX. The fact that they delayed, responded to the CFPB, and then suddenly charged off my account one day later shows clear retaliation and creates a direct contradiction in their reporting. In addition, on XX/XX/XXXX, after holding my XX/XX/XXXX CFPB filing for seven days, XXXX labeled it a duplicate to avoid answering these new violations. That same day, Experian closed and immediately re-opened a dispute on the same tradeline, which strongly suggests coordination between the furnisher and the bureau. Experian and XXXX both responded to my filings within one business day and did not mark them as duplicates. Only XXXX sat on my complaint for a week and then marked it duplicate, effectively burying the evidence. This is retaliation and collusion designed to suppress my rights under the FCRA. I have documented proof, including emails and screenshots, showing multiple charge-off date discrepancies. YOU CAN NOT DENY THIS EVIDENCE! Unless XXXX corrects its behavior and addresses every question and follows through on my demand for deletion, I will be forced to escalate further with legal representation. The evidence is right here, and the pattern is undeniable this is clear retaliation and can not be ignored. 
My XX/XX/XXXX complaint was improperly closed as a duplicate, which allowed XXXX to cover their actions. That complaint included clear evidence of retaliation, discrepancies in charge-off dates, and other serious issues that must be reviewed on their own merits. 

On XX/XX/XXXX, I filed a CFPB complaint. On XX/XX/XXXX, XXXX responded in the portal stating they were looking into it. On XX/XX/XXXX, the very next day, they charged off my account. This is deeply concerning because their own representative, XXXX, had already informed me the charge-off date was XX/XX/XXXX. The fact that they delayed, responded to the CFPB, and then suddenly charged off my account one day later shows retaliation and creates a direct contradiction in their reporting. In addition, on XX/XX/XXXX, after holding my XX/XX/XXXX filing for seven days, XXXX labeled it a duplicate to avoid answering these new violations. That same day, Experian closed and immediately re-opened a dispute on the same tradeline, which strongly suggests coordination between the furnisher and the bureau. 

Experian and XXXX both responded to my filings within one business day and did not mark them as duplicates. Only XXXX sat on my complaint for a week and then marked it duplicate, effectively burying the evidence. This is retaliation and collusion designed to suppress my rights under the FCRA. I have documented proof, including emails and screenshots, showing multiple charge-off date discrepancies. The evidence is here, the pattern is undeniable this is retaliation and can not be ignored. Unless XXXX corrects its behavior and follows through on my demand for deletion, I will be forced to escalate further with legal representation.

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