Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint to formally challenge the inaccurate and unlawful reporting of multiple accounts on my credit reports by the following furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These furnishers are currently providing incorrect and potentially fraudulent information to Experian, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), and industry-standard Metro 2 credit reporting guidelines. 

1. XXXX : This account is reported as charged-off with a balance of {$80000.00} and a past due amount of {$65000.00}. This reporting is inaccurate because a charged-off debt should not reflect an ongoing balance if the account was sold, securitized, settled, or otherwise monetized. If the account was securitized, XXXX no longer owns the receivable and can not lawfully report it as collectible. If they issued a 1099-C to the IRS, then reporting an active balance constitutes double representation a violation of both FCRA and IRS Code 6050P. I requested deletion or correction and validation of ownership, but have not received proper documentation. 

XXXX. XXXX  XXXX : This account shows a 30-day late payment for XX/XX/XXXX while also stating pays as agreed. This contradiction violates Metro 2 Format and FCRA 1681e ( b ). Additionally, under TILA 1666b, a payment can not be treated as late unless a statement was sent 21 days before the due date. XXXX XXXX has not demonstrated that such procedures were followed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a late payment on an account that was closed in XX/XX/XXXX. Late payments after account closure, without ongoing collection activity or new charges, are often inaccurate and violate FCRA accuracy standards. They have not provided evidence supporting the legitimacy of this reported delinquency. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX is reporting a 30-day late payment for XX/XX/XXXX on a mortgage account that was transferred. Under RESPA 2605 ( e ), no negative reporting is permitted during the 60-day servicing transfer window if a timely payment was made. If the loan was transferred, XXXX must cease delinquency reporting unless they can show a direct payment failure within their servicing window. No such documentation has been provided. 

These accounts are damaging my credit and financial well-being. I have followed the proper dispute channels, and yet the credit reporting agencies continue to maintain this false or unverifiable data. I am requesting the CFPBs intervention to : Enforce my rights under FCRA, TILA, and RESPA ; Compel the credit bureaus and furnishers to provide complete and verifiable documentation ; Remove or correct all inaccurate data.

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