Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Issue Type : Credit Reporting / Mortgage Servicing Company : XXXX XXXX XXXX XXXX XXXX XXXX : Mortgage Loan Problem Description : XXXX XXXX XXXX XXXX XXXX has refused to correct multiple late payment entries on my credit report that are factually inaccurate, unsupported by servicing records, and appear to be part of a systematic scheme to trigger foreclosure default. These entries stem from misapplication of payments, delayed crediting, and servicing errors that violate the Fair Credit Reporting Act ( FCRA ) and Real Estate Settlement Procedures Act ( RESPA ). 

Despite timely payments made within grace periods or within the same billing cycle, the bank reported the following months as delinquent : XXXX through XX/XX/XXXX XXXX through XX/XX/XXXX XX/XX/XXXX Their own records show payments were received within reasonable timeframes ( e.g., XX/XX/XXXX for XXXX payment ), yet they still marked the account as 3090 days past due. This pattern suggests intentional misreporting designed to manufacture default status, enabling foreclosure proceedings and damaging my credit profile. 

I have submitted prior disputes and received a response that they can not make corrections, despite clear contradictions in their own documentation. This refusal to investigate and correct errors violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation 12 C.F.R. 1024.35 Servicing errors under RESPA This misconduct has caused irreparable harm, including emotional distress, loss of housing opportunities, and reputational damage. I demand immediate correction of all late payment entries, a full audit of payment application history, and a written explanation of their investigation procedures. 


Reported Month Claimed Past Due Month Payment Received Date Status Reported Challenge XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Payment received within same monthshould not be reported late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received XXXX months laterno explanation of delay cause XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Duplicate reporting for same monthpossible servicing error XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received in XXXX not reflect XXXX delinquency XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 90 days late Payment received 4 months laterno XXXX XXXX provided XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received within 45 daysshould not trigger XXXX delinquency XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Same payment date as XXXX misapplied funds XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Payment received within grace periodreporting is excessive These entries reflect servicing delays, misapplied payment cycles, and failure to account for grace periods or hardship accommodations. Under 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. Your blanket assertion that no corrections can be made is legally indefensible. 

Failure to Conduct a Reasonable Investigation Your response fails to meet the standard of a reasonable investigation under 12 C.F.R. 1022.43 ( e ) : You did not address the impact of the XX/XX/XXXX data breach, which compromised consumer access and may have delayed payments.

You failed to provide any audit trail, internal servicing logs, or payment application records to support your findings.

You ignored the possibility of servicing errors, misapplied funds, or systemic delaysall of which are material to the dispute.

Demand for Remediation I hereby demand the following corrective actions within ten ( 10 ) business days : Complete removal of all late payment notations from XX/XX/XXXX through XX/XX/XXXX. 
Written certification of these deletions to all major credit reporting agencies. 
A copy of your investigation procedures and servicing logs used to reach your conclusion.

Immediate updates to my consumer report reflecting a corrected payment history.

Legal Action if Noncompliant If XXXX fails to comply, I will initiate litigation seeking : Statutory damages of up to {$1000.00} per violation under 1681n ; Actual, punitive, and emotional distress damages ; Injunctive relief and attorneys fees ; A formal CFPB enforcement review and referral to the FTC for deceptive practices. 
This notice is issued in good faith and with full reservation of rights under federal and applicable state law. I urge XXXX to reconsider its position and take immediate corrective action to avoid further escalation.

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