Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Language : I am not fluent in XXXX ; I am Armenian. 
Dear representatives of the CFPB, I am writing to file a complaint against XXXX XXXX XXXX for actions that have resulted in an unfair negative impact on my credit history and financial damage. 
Chronology of Events : * XX/XX/XXXX : XXXX XXXX XXXX sent a letter stating the debt amount as {$54000.00}. 
* XX/XX/XXXX : The amount was reduced to {$41000.00} without explanation. This is the first discrepancy. 
* XX/XX/XXXX : The XXXX provider paid the remaining debt amount of {$14000.00}. 
* XX/XX/XXXX : XXXX XXXX XXXX sent a letter demanding payment of {$9600.00}. No due date or warning of consequences was specified. I had no overdue payments. 
* Immediately after receiving the letter, I called XXXX XXXX XXXX. An employee confirmed that my contract was active and that I could continue making payments according to the schedule. 
* XX/XX/XXXX : I received a letter from XXXX XXXX XXXX stating that the next payment was due on XX/XX/XXXX. My online account at XXXX showed the same date. 
* XX/XX/XXXX : An employee of XXXX XXXX XXXX called me and said that the contract was no longer active. I explained that I had called previously and was told that the schedule was valid. The employee confirmed that the conversation had taken place but stated that the " information was incorrect. '' * XXXX XXXX XXXX : I called again, and a XXXX confirmed : " You can continue to make payments ; we will provide a payment schedule later. '' * XX/XX/XXXX : I paid {$1100.00}. 
* XX/XX/XXXX : I paid an additional {$570.00}. 
* XX/XX/XXXX : I called again. I was told, " Pay another {$1000.00}, and we will provide a payment schedule. Your credit will not be negatively affected. '' The XXXX confirmed this. I agreed, and the money was withdrawn. 
* XX/XX/XXXX : I checked my credit report and saw that XXXX XXXX XXXX had reported a " Charge-Off '' to the credit bureau on XX/XX/XXXX, which indicates that I had failed to pay. However, they continued to take payments after this. This is fraud. 
[ If possible, add specific clauses from the contract that you believe were violated here ] I request that the CFPB : * Conduct an investigation. 
* Remove the " XXXX '' from my credit history. 
* XXXX XXXX XXXX XXXX to close my account correctly and without harm to my credit history, or to reinstate the loan agreement under the original terms. 
I am attaching evidence : letters, screenshots, receipts, call logs. I have always been willing and intended to fulfill my obligations under the loan agreement. I am not fluent in XXXX, and XXXX XXXX XXXX employees were aware of this, which indicates that they misled me. 
Sincerely, XXXX XXXX

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