Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB Representative, This is not a repeat complaint but a request for both parties ( yourselves and the company ) to answer for their arbitrary and capricious handling of my accounts. Their internal records and public responses to previous CFPB complaints are not only inconsistent with my documented payment history but also contradict each other in ways that violate federal regulations. Below, I outline my concerns and the legal violations committed : Account Closures Without Proper Notification : Despite XXXX closing my accountspurportedly in XXXX XXXXI never received any adverse action notice as required under TILA. XXXX responses claim that the closures were based on business needs and the account status, yet they also cite returned payment details that conflict with this explanation. 

Reversal of Valid ACH Payments : I made multiple ACH payments to XXXX, including a significant payment of over {$2000.00} in XX/XX/XXXX, which should have paid off or substantially reduced one of the balances. Instead, XXXX repeatedly returned these payments, even though my bank confirms that no payment errors occurred. These reversals are unjustified and inconsistent with my records. Inaccurate Reporting to Credit Bureaus : XXXX continues to report conflicting information. For example, one response states that my last payment attempt was on XX/XX/XXXX, while my credit records indicate a last payment date of XX/XX/XXXX. My bank statements clearly show additional payments made beyond these dates. Such misreporting significantly damages my credit standing. 

Inconsistent and Repetitive Communications : XXXX has provided identical, lengthy 64-page responses that omit key transactional details and contain self-contradictory statements. These responses have not addressed my specific disputes and, in some cases, have included conflicting information regarding account closures, payment returns, and settlement optionsdespite phone conversations that revealed internal discrepancies. 

Below, I detail the specific issues, legal justifications, and the relief I am seeking : 1. Incomplete Transaction Records and Reversal of Valid Payments Issue : XXXX has failed to provide a complete and accurate ledger of transactions for my accounts ( ending in XXXX and XXXX ). Valid ACH paymentssuch as a documented {$710.00} payment on XX/XX/XXXX, XXXXwere reversed without justification, even though my bank confirms no errors on its end. Legal Justification : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information reported to credit agencies must be complete and accurate. Reversing valid payments without explanation may also violate the Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ) statute under 12 U.S.C. 5531.

2. Inaccurate Reporting of Payment History Issue : XXXX continues to report my last payment date as XX/XX/XXXX, despite documentary evidence of additional payments made after that date. Legal Justification : The FCRA requires that credit information be accurately reported. Misreporting the payment history undermines the integrity of my credit report and violates these statutory obligations. 

3. Failure to Provide Required Adverse Action Notice Issue : My account ending in XXXX was closed on XX/XX/XXXX, without any prior notice. Chases response explicitly admits that no adverse action notice was sent due to the status of the account. Legal Justification : Regulation Z under the Truth in Lending Act ( TILA ), 12 CFR 1026.9 ( c ) ( 2 ) ( i ), mandates that creditors provide timely adverse action notices when closing accounts or altering credit terms. The failure to provide such notice is a direct violation.

4. Contradictory and Repetitive Responses Issue : XXXX  responses contain multiple contradictions. For example, one response states that my last payment attempt was on XX/XX/XXXX, while credit reporting records indicate a last payment date of XX/XX/XXXX. Additionally, XXXX asserts that account closures are solely due to business needs even as they reference returned payments and internal discrepancies. Phone interactions have further revealed inconsistencies regarding settlement options and the reliability of their internal records. Legal Justification : The FCRA requires a reasonable investigation of disputed information. Repeatedly submitting identical responses that omit key details and include self-contradictory statements shows a failure to conduct a proper investigation. These deceptive practices also fall under UDAP protections.

5. Improper Post-Charge-Off Collection Practices Issue : Despite my ongoing disputes, XXXX continues to pursue settlement offers. A XXXX-assigned collector even admitted that internal records are unreliable and stated that my credit report would remain uncorrectedeven if the balance were settled in full. Legal Justification : Such practices violate the FCRAs requirements for accurate reporting and the UDAP statutes designed to protect consumers from deceptive collection practices.

I have enclosed all relevant documentation, including bank statements, returned payment notifications, and prior correspondence from XXXX. Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to these ongoing issues. Sincerely, XXXX XXXX

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