Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Subject : XXXX XXXX XXXX Notice of Ongoing Violations of FCRA, TILA & Consumer Rights I am submitting this as demand for deletion of the XXXX XXXX XXXX tradeline currently appearing on my credit reports. I have submitted multiple disputes previously, all of which have resulted in either inadequate investigation, incorrect updates, or continued violations of federal consumer protection laws. 

At this point, the ongoing reporting of this account in its current state is in direct violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and constitutes potential deceptive and unfair practices under the Fair Debt Collection Practices Act ( FDCPA ) and Section 5 of the Federal Trade Commission Act.

Violation 1 : FCRA 1681e ( b ), 1681i False and Misleading Remark : Consumer disputes after resolution The credit bureaus are reporting a remark that reads : Consumer disputes after resolution. This statement is false and highly misleading. My dispute remains unresolved and legally valid. Adding this remark implies I am abusing the dispute process or making frivolous claims, when in fact, the reporting furnisher has failed to correct the violations or substantiate their reporting. This is a direct violation of FCRA 1681e ( b ) for failure to ensure maximum possible accuracy, and FCRA 1681i for failing to conduct a reasonable reinvestigation.

Violation 2 : TILA 1638 Unauthorized {$3100.00} XXXX Charge Added to Loan The loan balance includes a {$3100.00} Extended Service Plan ( XXXX ) charge which I did not authorize, agree to in writing, or approve through any signed contract. I verbally declined all add-on products including XXXX and XXXX coverage. The inclusion of this amount increased my financed total by over {$3000.00} without legal consent or itemized disclosure, in violation of the Truth in Lending Act ( TILA ) 1638 ( a ) ( 2 ), which requires clear, conspicuous, and accurate disclosure of all finance charges. This charge is illegal unless XXXX can provide verifiable proof of written authorization. 

Violation XXXX : FCRA 1681s-2 ( b ), 1681i ( a ) ( 5 ) Incomplete, Inaccurate, and Contradictory Reporting This tradeline contains serious reporting errors, including inconsistencies, gaps, and unverifiable data. Examples : On-time payments reported for XXXX XXXX A sequence of escalating late payments : 30 days late in XXXX, XXXX in XXXX, XXXX in XX/XX/XXXX Charged off in XX/XX/XXXX, then shown as charged off every month through XX/XX/XXXX No reporting in XX/XX/XXXX Charged off status resumes XXXX and XX/XX/XXXX No data reported for XXXX or XX/XX/XXXX Credit bureau-specific issues : Equifax : My credit score dropped by XXXX points due to this account updating with false or misleading negative remarks, including Consumer disputes after resolution and recurring charged off notations that are unsupported by a complete or verified payment history. This score drop has directly harmed my ability to secure credit, housing, and financial stability. These remarks were added without resolving the underlying reporting issues a direct violation of the FCRA. 

Experian : Reports charge-off status in XXXX XXXX, but omits XX/XX/XXXX entirely. 

TransUnion : Lists the account as charged off, but fails to include any payment history at all, which violates the requirement to report with maximum possible accuracy or suppress reporting entirely.

This fragmented and contradictory reporting violates FCRA 1681s-2 ( b ), which requires data furnishers to report accurate and complete information. If the data can not be verified in full and with continuity, FCRA 1681i ( a ) ( 5 ) requires that it be removed entirely from my credit file.

Violation 4 : Misleading Fixed Rate Remark Added During Dispute The account is now reporting the additional remark Fixed Rate alongside Consumer disputes after resolution. I am not disputing the interest rate structure of the loan, and this remark appears to have been added without cause, clarity, or relevance to the dispute. It creates confusion about the nature of my dispute and serves no legitimate purpose in this context.

This type of misleading remark, especially when added during or after an unresolved dispute, may be construed as deceptive. It appears intended to normalize the tradeline despite unresolved violations and inaccurately implies that the dispute was about the loans rate which it was not. This reporting tactic violates FCRA 1681e ( b ), which requires credit information to be accurate and not misleading in any capacity.

Formal Demand : I am formally demanding that you either : Immediately delete the XXXX XXXX XXXX XXXX from all consumer credit reporting agencies ; OR Provide full and verified correction of the following : The reported payment history ( month-to-month, without gaps or contradictions ) All inaccurate or misleading remarks, including Consumer disputes after resolution and Fixed Rate The reported balance ( excluding the unauthorized XXXX charge ) If this dispute is not resolved within 30 calendar days of receipt, I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my State Attorney Generals office Pursue legal action for damages under FCRA 1681n and 1681o for willful and negligent noncompliance This is not a frivolous dispute. This is a formal notice of continued violations of federal law and a final demand for compliance.

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