Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding improper credit reporting related to a vehicle lease I legally terminated through XXXX XXXX XXXX under the Servicemembers Civil Relief Act ( SCRA ), codified at 50 U.S.C. 3955. 

As an XXXX XXXX service member XXXX for a qualifying period of over 180 days, I invoked my right to terminate my motor vehicle lease pursuant to SCRA. In compliance with 50 U.S.C. 3955 ( a ) ( 1 ) ( B ), I submitted my military orders and returned the leased vehicle as required by law. 

Despite this lawful termination, XXXX XXXX XXXX has continued to report the lease beyond the return date and appears to have submitted derogatory or misleading information to the credit reporting agenciesXXXX Experian, and XXXX. This reporting is improper and potentially in violation of both the SCRA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which prohibits the inclusion of inaccurate or incomplete information on a consumers credit file. 

Importantly, I have made multiple good-faith efforts to resolve this issue directly with XXXX XXXX XXXX XXXX requesting that they end any reporting associated with the lease after the date of vehicle turn-in and remove any negative notations from my credit report. These efforts have been unsuccessful, and no corrective action has been taken to date. 

Under 50 U.S.C. 3955 ( e ), no lease terminated in accordance with the SCRA may be treated as a breach of contract or subject to penalty. Additionally, under 50 U.S.C. 3953 ( d ), credit reporting actions based on legal SCRA-protected conduct are prohibited. The continuation of reporting past the lawful termination dateparticularly if negative in natureviolates these protections and threatens to undermine my financial stability and access to credit while serving on XXXX XXXX. 

I am therefore requesting that the CFPB : Investigate XXXX XXXX XXXX reporting conduct in this matter ; XXXX XXXX XXXX XXXX and all three credit bureausXXXX, Experian, and XXXXto immediately cease all reporting related to the terminated lease beyond the vehicle turn-in date ; Ensure the removal of any adverse or misleading notations, including references to default, delinquency, or early termination that resulted from the lawful exercise of my SCRA rights ; Confirm that no improper tax forms ( e.g., IRS Form 1099-C ) were or will be issued in connection with this terminated lease in potential violation of IRC 6050J. 
Enclosed are supporting documents, including my XXXX XXXX and lease termination submission, verifying my eligibility and full compliance with the SCRA. 

Thank you for your support of servicemembers and your attention to this important matter. I am available to provide any further documentation or information as needed.

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