Consumer complaint received 2025-12-28 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: MA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX for inaccurate, misleading, and harmful credit reporting that has caused substantial damage to my credit profile and financial standing. XXXX XXXX has reported information to the consumer reporting agencies that is inaccurate, inconsistent, and not properly verified, and these actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX has reported an account on my consumer credit reports in a manner that does not accurately reflect the true status, history, and legal treatment of the account. The information being furnished has included incorrect payment history, improper delinquency designations, and misleading status codes that suggest ongoing derogatory activity when that is not accurate. This reporting has resulted in significant and measurable harm to my credit score and overall creditworthiness. 

As a direct result of XXXX XXXX inaccurate reporting, my credit score has dropped, my risk profile has been negatively impacted, and I have suffered real financial harm. This includes difficulty qualifying for credit, less favorable terms when credit is offered, higher interest rates, and emotional distress associated with having my financial reputation damaged by information that is not true or not properly substantiated. Credit scores are relied upon heavily in lending, housing, employment, and insurance decisions, and inaccurate reporting has a profound and lasting impact.

Upgrade Inc has a legal duty under the FCRA to report information accurately and to conduct a reasonable investigation before furnishing or continuing to furnish negative information. Furnishing information that has not been properly verified, or that is known or should be known to be inaccurate, violates 15 U.S.C. 1681s-2 ( a ). Additionally, continuing to report derogatory information without correcting known inaccuracies after disputes have been raised violates 15 U.S.C. 1681s-2 ( b ). 

Furthermore, reporting inaccurate debt information that creates a false impression of my financial obligations constitutes unfair and deceptive practices under the FDCPA, including violations of 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations, and 15 U.S.C. 1692f, which prohibits unfair or unconscionable collection practices. Even when a company is acting as a creditor or furnisher, it is not permitted to misstate the status or legal character of a debt in a way that harms the consumer.

Courts have consistently held that furnishers may not reinsert or continue reporting derogatory information without proper verification. In XXXX XXXX XXXX XXXX XXXX, the court emphasized that furnishers must conduct more than a superficial review and must meaningfully investigate disputes. In XXXX XXXX XXXX, XXXX, courts reaffirmed that inaccurate reporting causing credit score damage constitutes concrete harm. Additionally, in XXXX v. XXXX XXXX XXXX, courts held that continued reporting of inaccurate account information after notice constitutes a willful violation of the FCRA. 

The actions of XXXX XXXX have caused ongoing harm by maintaining incorrect data on my credit file, thereby suppressing my credit score and misrepresenting my creditworthiness to third parties. This harm is not theoretical ; it is tangible, measurable, and continuing. 

I am requesting that XXXX XXXX immediately conduct a full and lawful investigation, correct or delete any inaccurate information being reported, and cease furnishing misleading or unverifiable data to the consumer reporting agencies. I also request written confirmation of the investigation results and the specific actions taken to correct my credit reports. 

I am further requesting that the Consumer Financial Protection Bureau ensure XXXX XXXX complies fully with its obligations under federal law and takes corrective action to prevent future harm. 

This complaint is submitted in good faith and based on factual inaccuracies that have materially damaged my financial standing. 

Experian has played a major role by not letting me know that they were readding this account to my credit without my knowledge or an explanation as to why which is a violation that is affecting me a great deal.

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