Consumer complaint received 2025-06-06 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: WA

Complaint narrative:
Legal Complaint Against XXXX XXXX XXXX : XX/XX/XXXX Basis : Response from XXXX XXXX to Experian dated XX/XX/XXXX regarding Report No. XXXX Dear representatives of oversight and regulatory bodies of the CFPB XXXX XXXX XX/XX/XXXX, XXXX Credit sent a response to the Experian credit bureau XXXX XXXX XXXX complaint submitted through the CFPB under Report No. XXXX. The response consisted of XXXX word " XXXX '', without explanations, arguments, or any documents. They say " no '' to removing the information about XXXX months of nonpayment, although it is absolutely false. This approach demonstrates clear disrespect for the consumer, ignoring the evidence presented, and complete disregard for the legislation on credit reporting. 
Earlier, on XX/XX/XXXX, a representative of XXXX XXXX, XXXX, XXXX Analyst, sent an official response to the CFPB ( I reviewed it only in XX/XX/XXXX ). The XXXX XXXX representative begins the response with the words : " Please understand, our company takes seriously its responsibility for providing accurate information about our customers ' trade lines, as we are obliged to provide accurate information. Delinquencies can be reported to credit bureaus monthly if, at the time of the report, the account is XXXX, XXXX or 90 days past due. '' With these phrases, the XXXX XXXX representative tries to show that supposedly I do not understand this. I dont need to be taught this because I know it well and had signed up for automatic monthly payments. 
Further, the phrase " the company takes seriously its responsibility to provide accurate information about our customers ' trade lines '' is actually hypocritical, because I personally experienced the falsehood of these words, or perhaps it is incompetence of the credit institution 's employees. 

A XXXX XXXX employee writes in the response : " The payment due on XX/XX/XXXX, was received on XX/XX/XXXX, at 39 days past due. The payment due on XX/XX/XXXX, was received on XX/XX/XXXX, at 36 days past due. As a result, delinquencies are appearing on your credit file for XX/XX/XXXX and XX/XX/XXXX. Delinquencies are reported to the XXXX XXXX XXXX the month the payment becomes 30 days past due. For example, the XX/XX/XXXX payment became 30 days delinquent in XX/XX/XXXX. Please be advised we received the payoff of {$5500.00} on XX/XX/XXXX. '' Now lets analyze this. Her message contains elementary contradictions and simple arithmetic mistakes. I dont know if this is intentional misleading or a lack of understanding of numbers by XXXX XXXX XXXX. 
Look at the contradiction and elementary misunderstanding of numbers. First : she writes that the payment due on XX/XX/XXXX, was supposedly received on XX/XX/XXXX, with a XXXX delay. Then, in the text, therefore you have nonpayment for XXXX. Think about this absurdity the delinquency is for XXXX because the payment was made in XXXX. But in the credit bureau reports it is indicated that for XXXX the payment was on time, there are no delinquencies. 
If, according to her math, the XXXX payment was 39 days late, why does the credit bureau XXXX a mark that the payment was on time? Thats the first absurdity. 
Second : according to her reasoning, in her scheme, the payment made on XX/XX/XXXX somehow " disappeared '' and she doesnt count it as payment for XXXX. But is that really the case? 
To prove the absolute falsehood of these claims, I attach a document from XXXX XXXX where they write about a scheduled withdrawal on XX/XX/XXXX, for {$280.00}. 
In the letter from XXXX XXXX it says : " A Single Payment Has Been Scheduled. Bank Account xxxx. Payment Date : XX/XX/XXXX. Payment Amount : {$280.00}. '' The phrase A Single Payment Has Been Scheduled proves that this was a planned, not overdue, payment. For XXXX, paid on XX/XX/XXXX. Its all very simple, and XXXX XXXX representatives should not deceive us. 
Further regarding the XXXX payment. The XXXX XXXX representative claims that there was nonpayment for XXXX because it was supposedly paid on XX/XX/XXXX for XXXX, and the delinquency is 39 days. Another absurdity. She says this and deliberately does not show the payment amount in the letter. But in XXXX I paid for XXXX months ahead, that is, not {$280.00} but I paid {$570.00}. Do you understand the absurdity and stupidity on XX/XX/XXXX, {$570.00} is paid, and she claims that for XXXX there is a nonpayment of {$280.00} for more than 30 days. This is deliberately brazen distortion of reality. 
Now lets look further at the absurd logic of the XXXX XXXX representative from another side. She writes : " Please be advised we received the payoff of {$5500.00} on XX/XX/XXXX. '' If hypothetically we agree with her opinion that supposedly there was a delinquency for XXXX for more than XXXX  days, then this would apply if I had paid for XXXX after XX/XX/XXXX. But I closed the entire loan and paid on XX/XX/XXXX all payments XXXX years ahead. Simple arithmetic from XX/XX/XXXX to XX/XX/XXXX is XXXX days. This is hypothetical reasoning, because in fact for XXXX I paid on XX/XX/XXXX. 
Do you understand the situation? 
XXXX. On XX/XX/XXXX I paid {$280.00} XXXX. On XX/XX/XXXX I paid {$570.00} XXXX. On XX/XX/XXXX I paid {$5500.00} and closed the entire loan And XXXX XXXX claims I had delinquencies for XXXX and XXXX of over 30 days? This is either elementary arithmetic ignorance or deliberate fraud by XXXX XXXX. 

XXXX. Supplement to the Legal Complaint Against XXXX XXXX XXXX of the key indicators of systematic fraud on the part of XXXX XXXX is their deliberate concealment of the fact of full loan repayment on XX/XX/XXXX. On that day, I made a one-time payment, which fully satisfied all of my loan obligations to XXXX XXXX XXXX XXXX ahead of schedule. However, in the credit history submitted to the credit reporting agencies ( Experian, Equifax, TransUnion ), XXXX XXXX in XXXX did not indicate that the loan was fully paid off ; instead, they simply recorded it as " closed. '' This intentional misrepresentation in the credit report creates a false impression for credit bureau algorithms : closing a loan without indicating full repayment may be interpreted as closure due to default or transfer to a collection agency. 
This deceptive omission in the transmitted data significantly and unjustly damaged my credit score. Only after I submitted an official complaint in XXXX did XXXX XXXX correct the record to state that the loan was paid off. However, even then, they failed to reflect the exact date and amount of the full repayment XX/XX/XXXX. The XX/XX/XXXX entry should have stated that payment was made, including the specific amount, and that the loan was then closed. Such information is required to be disclosed under the Fair Credit Reporting Act ( FCRA ), as it directly affects algorithmic risk assessments used in determining creditworthiness. The failure to provide full information impacted my financial reputation for years and restricted my ability to obtain new credit on favorable terms. 
Moreover, in XX/XX/XXXX, after I submitted a renewed complaint regarding the actions of XXXX XXXX, I witnessed yet another egregious violation. On the same day that the complaint was submitted, within just a few minutes, my XXXX XXXX dropped sharply. Based on my observation, this drop was artificially triggered by retaliatory and punitive actions on the part of XXXX XXXX, intended to punish a consumer for actively defending their rights. 
As I was able to determine, in XX/XX/XXXX, after receiving my complaint, XXXX XXXX once again removed the loan paid notation and updated the credit information to reinstate false records of a two-month delinquency from XXXX. These entries were highlighted in red in the credit report, which activated automated risk-scoring algorithms as though this were a current, active delinquency rather than a historical misunderstanding. This is what led to the sharp drop in my XXXX XXXX. After a formal complaint and subsequent investigation in XX/XX/XXXX, my credit score was restored further confirming that XXXX Credits actions were unlawful and manipulative. 

Demands and XXXX XXXX for XXXX XXXX XXXX XXXX Credit In light of the above-mentioned facts, I request that XXXX Credit be immediately compelled to remove all inaccurate and false information regarding the alleged two-month payment delinquencies from XXXX from all national credit bureaus Experian, Equifax, and TransUnion as these entries violate the accuracy and integrity requirements established by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 
Furthermore, I request the imposition of strict regulatory and legal measures against XXXX XXXX for the following egregious violations : Deliberate dissemination of false information in official responses to complaints submitted through the CFPB system Attempting to mislead a federal agency, namely the Consumer Financial Protection Bureau, to avoid accountability Manipulation and distortion of factual data, including the concealment of the full early loan repayment Abuse of position and discriminatory treatment of a consumer who exercised their right to defend themselves Intentional and unlawful lowering of my credit score, which persisted for nearly XXXX years and caused significant material, reputational, and emotional harm Legal Foundations Pursuant to the following provisions of federal law : 1031 and 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531, 5536 ), which authorize the CFPB to prohibit unfair, deceptive, and abusive acts and practices in the consumer financial sector https : //www.consumerfinance.gov/rules-policy/dodd-frank-act/ 15 U.S.C. 1681s-2 and 1681i of the FCRA, which impose a duty on creditors and credit bureaus to conduct proper investigations and correct inaccurate data upon receipt of a consumer dispute https : XXXX Additionally, 42 U.S. Code 1981 and 1983 may apply in cases where retaliatory or discriminatory conduct by a private entity can be shown to infringe upon civil rights under federal law XXXX XXXX XXXX XXXXXXXX Credit to delete all false and inaccurate information regarding alleged delinquencies and to update the record to reflect the accurate fact of full early loan repayment on XX/XX/XXXX, including the correct date and confirmation of payment Impose an administrative fine on XXXX XXXX  under XXXX of the Dodd-Frank Act ( 12 U.S.C. 5565 ) for repeated violations of federal consumer protection laws XXXX XXXX XXXX to pay compensation for material damages caused by the degradation of my credit history, as well as potential compensation for emotional distress resulting from the long-term impact of falsified reporting Refer the case to the Legal Division of the CFPB for the purpose of preparing a federal lawsuit on behalf of the consumer, as permitted by law Do not merely forward this complaint to XXXX XXXX  XXXX but take the matter under direct review by CFPB, conduct an independent investigation into all relevant circumstances, including retaliatory actions following the complaint, and pursue enforcement including fines and potential class action if a pattern of misconduct is uncovered

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