Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and misleading reporting of a joint auto loan account with XXXX XXXX XXXX XXXX, which appears on my credit reports with Experian, TransUnion, and Equifax. 

In XX/XX/XXXX, I assisted a family member by cosigning a vehicle loan through XXXX XXXX XXXX in XXXX XXXX, NY. I was explicitly told by the dealership that the financing would be handled directly by them, and that I would be removed as a cosigner after six successful payments. I was not informed that XXXX XXXX XXXX XXXX would be the actual lender, nor did I knowingly agree to a long-term joint obligation with this institution. 

This account is now being reported with serious legal and procedural issues across all three credit bureaus, including : 1. Lack of Worst Payment Status Despite Late Payments The account includes multiple late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), yet none of the reports indicate a Worst Payment Status. This violates Metro 2 compliance guidelines, which require consistency between delinquency history and summary fields. 

2. Incomplete and Inconsistent Payment Reporting Experian and TransUnion both show payments made in months where late notations are listed, such as XX/XX/XXXX. This reflects inaccurate tracking of payment activity and may indicate mishandling of payment application. Experian also includes ND ( No Data ) entries and invalid date errors within the reporting history. 

3. Previously Disputed with No Correction The account has already been disputed. Experian specifically notes Account previously in dispute investigation complete, but no corrections were made. Under FCRA 611, credit bureaus must correct or delete inaccurate or unverifiable information following a reinvestigation. 

4. Misrepresentation at the Time of Agreement XXXX XXXX XXXX misrepresented the terms of this arrangement. I was told I would be removed after six payments and was never made aware that XXXX XXXX was the financier. I did not receive a clear explanation of the long-term legal responsibilities of being a joint borrower. 

5. Failure to Meet FCRA Accuracy Standards Due to the above discrepancies and data issues, this account violates FCRA 609 ( right to disclosure ), 611 ( right to dispute and reinvestigation ), and 602 ( A ), which requires consumer information to be reported with maximum possible accuracy. 

Requested Resolution Given the misrepresentation by the dealership, lack of informed consent regarding the lender, and repeated Metro 2 and FCRA violations, I am requesting the permanent deletion of this XXXX XXXX XXXX XXXX account from my credit files with Experian, TransUnion, and Equifax. 

Supporting documentation, including screenshots from all three credit reports, is attached for review.

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