Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear CFPB I am writing to formally submit a complaint regarding issues I have encountered with my credit account, which I believe may violate consumer protection laws. My account is with [ XXXX XXXX XXXX  ] and the account number is [ XXXX ]. 
Account Name : XXXX XXXX XXXXXXXX Summary of Issues : 1. Inaccurate Reporting : My account statement contains multiple instances of No Data Available, which prevents me from understanding my financial obligations. This lack of transparency is concerning and does not comply with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
2. Payment History Concerns : I have made regular payments of {$5.00}, but my account continues to show past due amounts, which do not accurately reflect my payment history. The reported past due amounts are inconsistent and misleading.

3. High Credit and Credit Limit Discrepancies : My high credit amount is consistently reported as {$83.00}, while my credit limit is {$750.00}. This discrepancy raises concerns about how my payments are being applied and whether I am being unfairly penalized for exceeding my limit. 
4. Date of Last Payment : All entries for the date of my last payment are listed as XX/XX/XXXX, despite having made payments since that date. This suggests that my account may not be accurately reflecting my payment activity, which could be a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
XXXXXXXX XXXX  Dear XXXX XXXX  Customer Service , 1 . Inconsistent Payment Reporting : The payment history indicates that payments of {$6.00} are consistently reported, but it also shows a scheduled payment of {$19.00}. This inconsistency could confuse the consumer regarding what they are actually required to pay. 
2. High Credit vs. Credit Limit : The high credit amount is reported as {$20.00}, which is the same as the credit limit. If the consumer is consistently reaching their limit, this could indicate that the account is not being managed properly or that fees are being applied incorrectly. 
3. Date of Last Payment : The date of the last payment is reported as XX/XX/XXXX, which is in the future. This raises concerns about the accuracy of the reporting and could indicate a clerical error or system issue. 
4. Past Due Amounts : If there are amounts past due reported, but the account is classified as Pays As Agreed, this is contradictory and could mislead the consumer about their standing with the account. 
5. Delinquency Reporting : The report mentions a " Date of 1st Delinquency, '' but does not provide a clear context or amount associated with this delinquency. This could impact the consumer 's credit score and should be clearly defined. 
6. Lack of Clarity on Terms : The terms and conditions of the secured credit card, including payment frequency and balloon payment details, are not clearly outlined. This lack of clarity can lead to misunderstandings about the account 's obligations. 
Relevant Laws : Fair Credit Reporting Act ( FCRA ) : This federal law mandates that consumer reporting agencies provide accurate and complete information. If the account information is incorrect or misleading ( e.g., future payment dates, inconsistent payment amounts ), it could be a violation of the FCRA. 
Truth in Lending Act ( TILA ) : This act requires clear disclosure of terms and conditions of credit accounts, including payment amounts and frequencies. If the account lacks clarity in its terms, it may be in violation of TILA. 
Fair Debt Collection Practices Act ( FDCPA ) : If the account is being managed by a debt collector, this law protects consumers from deceptive practices. Misrepresentation of the amount owed or failing to provide accurate information could be a violation. 
Consumer Financial Protection Bureau ( CFPB ) Regulations : The CFPB enforces regulations aimed at protecting consumers in financial transactions. If the account management practices are misleading or unfair, it could fall under their scrutiny.

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