Consumer complaint received 2025-03-15 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: MD

Complaint narrative:
I requested my full account statements, payment history, and a correction of inaccurate late payments being reported to credit bureaus. I also requested a breakdown of interest charges applied to my account, as they were preventing my payments from reducing my balance. The company refused to provide this information and instead closed my account while continuing to report false negative information. 

Complaint Against XXXX for Wrongful Account Closure & Credit Reporting Violations I am filing this complaint against XXXX for wrongful account closure, inaccurate credit reporting, and deceptive business practices that have harmed my financial standing. 

I had a payment agreement with XXXX in which I made on-time monthly payments, yet they continued to report my account as negative for several months in a row. Despite my compliance with the agreed payment plan, XXXX refused to adjust the payment terms, continued to charge excessive interest, and falsely reported late payments on my credit report. 

When I disputed these false reports, instead of correcting the issue, XXXX retaliated by closing my account and reporting additional late payments. I never requested for my account to be closedI only requested that my payments be correctly applied and that they stop reporting inaccurate information. Their actions have resulted in serious harm to my credit, preventing me from obtaining housing and financial opportunities. 

Additionally, I disputed the negative reporting with Experian, XXXX, and XXXX, but XXXX still refused to correct their mistakes. I provided evidence that I made payments on time, but XXXX charged excessive interest that kept my balance from decreasing. They knowingly engaged in deceptive lending practices by making it impossible for my payments to reduce my balance while profiting from the interest. 

XXXX also refused to allow returns on defective products, despite their stated warranties. They selectively accepted certain returns while denying others, making it difficult for customers to resolve product quality issues. Defective items included : A XXXX XXXX that ripped at the seams, which they refused to replace under warranty. 
A XXXX XXXX that arrived missing screws and was not eligible for return. 
A brand-new XXXX that did not work properly. 
A XXXX XXXX XXXX XXXX that collapsed due to poor-quality materials. 
XXXX XXXX  that broke within one day of use. 
XXXX labeled as the wrong size despite being listed correctly when ordered. 
XXXX actions violate consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). They have caused financial harm, emotional distress, and damage to my credit. 

Resolution & Compensation Demanded I am requesting the following actions from XXXX : Complete and permanent removal of this account from all credit reporting agencies ( Experian, XXXX, and XXXX ). 
Immediate removal of all late payments and negative marks caused by their actions. 
Full refund of excessive interest charges that kept my balance from decreasing despite on-time payments. 
Investigation into their deceptive lending and credit reporting practices. 
Compensation for financial harm, emotional distress, and damage to my credit in the amount of {$10000.00}. 
If this matter is not resolved within seven business days, I will escalate my complaint to the Federal Trade Commission ( FTC ), the State Attorney General, and pursue legal action. I urge the CFPB to investigate XXXX unethical business practices to prevent further harm to consumers.

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