Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX handling of my accounts and credit reporting activities. I have been dealing with this issue since XX/XX/XXXX, and XXXX XXXX continues to withhold access to my funds, report inaccurate account information, and refuse communication or resolution. 

XXXX XXXX has closed all of my accounts, including my checking account ( s ) and access to my credit card account. However, they have refused to allow me to close or access the one savings account that contains the funds needed to pay my credit card balance. As a result, I am being held financially responsible for a balance that XXXX XXXX is preventing me from paying. 

Although they have blocked my account access and stopped providing statements, XXXX XXXX continues to report my credit card as active and increasing, now reporting the balance as over the credit limit by more than {$300.00}. I am unable to make payments because they have restricted access to the funds needed to pay it. This places me in forced delinquency. 

I later received a Cease and Desist letter from XXXX XXXX stating that they would no longer provide any information regarding my accounts. Since then, I have not received statements, account details, transaction records, or billing notices. XXXX XXXX has also refused to respond to my CFPB complaints or provide any documentation or explanation regarding their actions. 

Despite cutting off communication and access, XXXX XXXX continues to : Increase my credit card balance Assess fees and allow the account to go over the limit Report negative information to the credit bureaus Withhold the funds I need to resolve the balance This is causing immediate financial hardship, damage to my credit, and the inability to manage or correct my account status. XXXX XXXX actions have placed me in a financial bind without any avenue to resolve or dispute the account.

Regulatory and Legal Concerns : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Furnishers must report accurate information. Reporting increasing balances and delinquency while blocking access to the account and preventing payment may constitute inaccurate or misleading reporting.

2. Truth in Lending Act ( TILA )/ Regulation Z Creditors must provide periodic statements and reasonable methods for repayment. XXXX XXXX has withheld account statements and blocked my payment ability. 


XXXX. Equal Credit Opportunity Act ( ECOA ) Adverse action requires a proper notice explaining the reason for account closure. I did not receive a compliant adverse action notice.

4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), 12 U.S.C. 5531 Creating a situation where a consumer is required to pay a debt but denied the ability to access funds to pay it may be considered an unfair and abusive financial practice.

Relevant Enforcement Cases and Actions Supporting These Concerns : CFPB v. Wells Fargo Bank, N.A. ( 2018 ) Banks can not restrict account access while continuing to assess or report obligations in a way that harms consumers.

CFPB v. Citizens Bank ( 2015 ) Financial institutions must provide accurate account information and must not obstruct consumers ability to manage repayment or correct errors. 

XXXX XXXX actions have already caused financial harm, credit damage, and hardship. I am requesting CFPB intervention because XXXX XXXX is refusing to provide access, documentation, communication, or resolution.

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