Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern this is my second formal complaint against multiple credit reporting agencies and furnishers who continue to report inaccurate, misleading, and unverifiable information on my credit report despite my previous dispute and ongoing financial hardship I have already filed a complaint which is still open and this submission includes additional and repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and CARES Act I have not yet submitted to the FTC because I wanted to give the CFPB and relevant institutions a fair chance to resolve this matter below I have outlined each item of dispute along with its specific issue and the applicable legal reference The accounts listed below are being reported inaccurately, unlawfully, and in a manner that violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act ( FDCPA ), and my right to due process. These errors are impacting my financial health, employment opportunities, and mental well-being. I request a full reinvestigation, and removal where applicable. 
DEPTEDXXXX  Account XXXXXXXX XXXX XXXX  ( Two Entries XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balances : {$2000.00} & {$3600.00} | Issue : Late Payment Reporting Issue : These accounts have been reported with late payments despite pandemic-related deferment and administrative forbearance protections under the CARES Act. I was under the understanding that student loan payments were paused and non-delinquent during this period. Reporting late payments violates CARES Act 3513 and FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing false or misleading information. I was never properly notified about any delinquency, and this reporting is both inaccurate and deeply damaging. 
XXXX XXXX Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX & XX/XX/XXXX | Balances : {$470.00} & {$630.00} | Issue : Late Payment Reporting Issue : I was facing documented financial hardship during this time, including job instability and health issues. I attempted to communicate with XXXX XXXX but received no hardship assistance or accurate billing explanations. Under FCRA 623 ( a ) ( 1 ) ( A ) and Regulation B ( Equal Credit Opportunity Act ), creditors must provide fair access to accommodations and not report misleading payment behavior during hardship, especially when consumers request help in good faith. These late payments do not reflect my intent or ability, and reporting them violates my rights. 
XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$540.00} | Issue : Late Payment Reporting Issue : This late payment is being reported only weeks after the account was opened, which is unusual and suggests either misreporting or internal processing errors. No billing statement or opportunity to make the payment on time was received. Reporting a delinquency within 3060 days of account opening contradicts FCRA standards and indicates furnisher negligence under 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Late Payment Reporting Issue : This account has a {$0.00} balance and was paid off in full. Despite that, it is still being reported with a late payment, which is factually inaccurate. Under FCRA 607 ( b ), the CRA must ensure maximum possible accuracy. Additionally, reporting a delinquency on a {$0.00} balance account constitutes malicious reporting and misrepresentation under FDCPA 807. 
XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$330.00} | Issue : Collection Account Reporting Issue : This debt is erroneous. I never received final billing or a proper dispute window from XXXX. XXXX. XXXX began reporting without validating the debt per FDCPA 809 ( a ), and failed to provide any debt verification when requested. Further, FCRA 1681b prohibits the furnishing of data to CRAs without a permissible purpose or accurate data. This account should be removed due to procedural and legal noncompliance. 
HARD INQUIRIES ( Unauthorized or Excessive ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize all these inquiries. Some were possibly triggered by a dealer or intermediary without my full knowledge. Reporting inquiries without permissible purpose or consumer initiation is in direct violation of FCRA 604 ( a ). These need to be investigated and removed immediately.

this continued reporting of false, misleading, and damaging information is a violation of FCRA 1681i which requires reinvestigation upon dispute and 1681s-2 ( b ) which ob
ligates data furnishers to correct or delete inaccurate information failure to act will leave me no choice but to escalate further to the FTC and pursue legal action under FCRA 616 and 617 which allows me to seek actual damages, punitive damages, and attorney fees I request immediate investigation removal of the accounts and inquiries listed above and written confirmation of the results of your review thank you for your attention to this urgent and ongoing matter

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