Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX disregarded all 20 FCRA Violations 1. Furnishing inaccurate late payment data while account is in deferment. 
2. Failure to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

3. Failure to correct errors after notice of dispute ( 15 U.S.C. 1681s-2 ( b ) ).

4. Reporting misleading info that creates a false impression of delinquency.

5. Failing to mark account as disputed after you notify them.

6. Reporting derogatory info without verifying accuracy.

7. Continuing to furnish data after being notified its inaccurate.

8. Failing to conduct reasonable investigation of disputes.

9. Reporting info outside allowed time limits.

10. Misreporting deferment as forbearance or delinquency.

11. Failing to provide proper dispute response to consumer within 30 days.

12. Inconsistent reporting across bureaus.

13. Furnishing incomplete tradeline data.

14. Failing to update account status after deferment approved.

15. Mixing another borrowers information into your tradeline.

16. Failing to notify bureaus of corrections in a timely manner.

17. Furnishing data knowing it would cause harm to credit standing.

18. Misreporting payment history fields.

19. Not providing notice before negative reporting.

20. Continuing to report after account was challenged as fraudulent. 



Potential FDCPA Violations XXXX XXXX disregarded 1. Misrepresenting the legal status of the debt ( 807 ).

2. Attempting to collect payments not due during deferment.

3. Threatening action that can not legally be taken ( 807 ( 5 ) ).

4. False representation of character, amount, or legal status.

5. Using deceptive means to collect a debt.

6. Harassing or abusing the borrower.

7. Placing repeated collection calls.

8. Misrepresenting themselves as government agents.

9. Using unfair/unconscionable collection practices.

10. Threatening credit damage while in deferment.

11. Overshadowing borrowers rights in collection notices.

12. Failing to validate debt when requested ( 809 ).

13. Continuing collection without verifying debt after dispute.

14. Failing to notify borrower of right to dispute debt.

15. Using misleading letterhead or forms.

16. Threatening garnishment when not lawful.

17. Misstating consequences of nonpayment.

18. Demanding immediate payment outside contract terms.

19. Communicating with third parties without permission.

20. Using false names or misrepresenting identity. 



Potential TILA Violations XXXX XXXX disregarded 1. Failure to clearly disclose deferment terms.

2. Failure to provide accurate APR disclosures.

3. Misstating repayment schedule during deferment.

4. Inadequate disclosure of borrower rights.

5. Failure to provide accurate periodic statements.

6. Failure to explain capitalization of interest.

7. Misrepresentation of total finance charges.

8. Omission of repayment start dates.

9. Inconsistent loan balance reporting.

10. Failure to honor required disclosure timelines.

U.S. Code Sections XXXX XXXX disregarded 1. 15 U.S.C. 1681 FCRA ( credit reporting ).

2. 15 U.S.C. 1692 FDCPA ( debt collection ).

3. 15 U.S.C. 1601 TILA ( truth in lending ).

4. 18 U.S.C. 1001 False statements.

5. 18 U.S.C. 1341 Mail fraud.

6. 18 U.S.C. 1343 Wire fraud.

7. 18 U.S.C. 1344 Bank fraud.

8. 18 U.S.C. 1028A Identity theft/aggravated identity theft.

9. 18 U.S.C. 1957 Money laundering.

10. 18 U.S.C. 1962 RICO ( racketeering ). 


DOJ-Enforced Statutes XXXX XXXX disregarded ( DOJ doesnt have its own laws it enforces federal criminal statutes ) 1. Fraud statutes ( mail/wire fraud ).

2. False Claims Act ( 31 U.S.C. 37293733 ).

3. Identity Theft Enforcement Act.

4. Consumer credit fraud prosecutions.

5. RICO Act enforcement.

6. Obstruction of justice statutes.

7. Federal conspiracy laws.

8. Financial Institution Reform, Recovery, and Enforcement Act ( FIRREA ).

9. Civil Rights statutes ( if discrimination involved ).

10. Criminal enforcement of FCRA/FDCPA violations.

SEC-Related Laws XXXX XXXX disregarded 1. Securities Exchange Act of XXXX. 
XXXX. Securities Act of XXXX. 
XXXX. XXXX XXXX of XXXX. 
4. Dodd-Frank Act ( consumer protection provisions ). 
5. SEC Rule 10b-5 ( anti-fraud ). 
XXXX Insider trading rules. 
XXXX. XXXX requirements for publicly traded companies. 
XXXX. Financial reporting misstatements. 
XXXX. Misleading investors about loan servicing risks. 
XXXX. Failure to file accurate SEC reports ( 10-K, 8-K, etc. ).

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