Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
Supplemental Statement for CFPB Complaint XXXXXXXX XXXX  and Experian Subject : Pattern of Misleading and Contradictory Reporting by XXXX  and Experian I am submitting this statement to supplement my previous complaint against XXXXXXXX XXXX and Experian, based on serious inconsistencies, omissions, and misleading actions in how both entities are handling a disputed credit account ( while a chargeback is still being investigated ). 

Erased Notification History Experian Experian has removed my entire notification history from my account dashboard. I did not delete these messages. Their sudden disappearance falsely implies that no disputes or communications have occurred, impairing my ability to track resolution timelines and preserve documentation. This raises serious concerns about data suppression during an active federal investigation. 

" Time Since Most Recent Late Payment '' Now Listed as " XXXX '' Previously, Ally was reporting me as 90 days late, which triggered the original dispute. Since then, Experian and/or XXXX have edited the delinquency history now showing only 60 days late in XXXX, and no data XXXX. Meanwhile, the Time Since Most Recent Late Payment field is now marked N/A. 
This appears to be an attempt to whitewash the negative history shortly after formal complaints were filed. 

Contradictory Minimum Payment Reporting Although Ally is reporting the account as closed, I am still receiving monthly billing statements. 

The most recent mailed statement, received XX/XX/XXXX, demands a minimum payment of {$360.00}. 

However, XXXX is still reporting the monthly payment to Experian as {$87.00}, which misrepresents my repayment obligations. 

There is no hardship plan or payment agreement in place to explain this discrepancy. The figures reported are misleading to both credit bureaus and potential lenders. 

Conflicting Interest Rates and Ongoing Charges Despite the account being closed and under dispute, XXXX continues applying XXXX different interest rates to the balance : 29.49 % on {$150.00} 9.99 % on {$2200.00} This dual interest rate structure, along with ongoing charges, raises serious concerns about predatory billing and Truth in Lending Act ( TILA ) violations. 

Experians Selective Silence Despite being the only bureau to immediately alter my credit file after the initial complaint, Experian is the only one that has not responded to the XX/XX/XXXX CFPB complaint. Meanwhile, both XXXX and XXXX have issued updates. 
Experian did submit a long but generic interim response to a separate complaint filed on XX/XX/XXXX ; however the XX/XX/XXXX complaint remains completely unacknowledged. 
This selective silence appears strategic and undermines the CFPBs process of fair resolution as well as the XXXX and the OCC complaint currently filled against XXXX. 

Also alarming is the Inaccurate Utilization Rate Reporting Experian is still calculating my credit utilization rate using the closed XXXX account, inflating my usage to 36 %. 
By contrast, XXXX is reporting a more accurate 26 %, based only on active accounts. Experians methodology is outdated and misrepresents my credit profile during a period of dispute and investigation. 

Just to be perfectly clear why Im so alarmed ; Experian ignored my XX/XX/XXXX CFPB complaint while replying to newer one I submitted a CFPB complaint against Experian on XX/XX/year>, regarding improper credit reporting conduct, specifically related to how they were handling disputed updates connected to my XXXX  credit card account. As of today, Experian has failed to respond at all to that complaint no acknowledgment, no update, no resolution despite the complaint being visible in the portal. 

However, on XX/XX/year>, I submitted a second complaint regarding whitewashing and altered credit reporting entries by Experian on the same account. That complaint received a interim response from Experian, acknowledging that they were reviewing it. 

It is very concerning that Experian has selectively replied only to the newer complaint while ignoring the earlier one, which undermines transparency and accountability during an active investigation into credit report accuracy and compliance with FCRA. I am requesting a follow-up on the XX/XX/XXXX complaint and clarification on why no response has been issued after several days while other complaints were addressed.

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