Consumer complaint received 2025-04-13 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: MI

Complaint narrative:
Formal Dispute of Inaccurate and Misleading Credit Reporting Request for Documentation, Correction, and Compensation I am writing to formally dispute the inaccurate, incomplete, and harmful reporting of the following tradelines. These accounts were resolved through payment or settlement, but the credit reporting across your bureau contains multiple errors, inconsistencies, and legal concerns. These errors have resulted in derogatory marks on my credit file, despite good faith payments that exceeded what was owed. 

Detailed Discrepancies by Account XXXX. XXXX XXXX XXXX XXXX ( Acct. ending XXXX ) I paid {$400.00} in XX/XX/XXXX when the account was already closed due to usage restrictions. 
Despite that, I was charged an additional {$230.00} in late fees, bringing my total payments to {$630.00}. 
The account still shows as active into XXXX, with scheduled payments listed after settlement. 
As of XXXX, it shows closed in payment status, but paid in settlement remains without recognition that usage was never reinstated. 
I received settlement offers even after agreement and after my final payment on XX/XX/XXXX. 
Payment history includes : XXXX : {$41.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$54.00} XXXX : {$55.00} XXXX date of XX/XX/XXXX is incorrect, as the account was closed in XX/XX/XXXX. 
Past due balance for XX/XX/XXXX ( {$82.00} ) contradicts the reported balances : {$390.00} ( XXXX ), {$490.00} ( XXXX ), {$460.00} ( XXXX ). 
The account continues showing an open balance and late fees post-settlement, which is false. 

XXXX. XXXX XXXX / XXXX ( Acct. ending XXXX ) I paid {$400.00} in XX/XX/XXXX, when the account was already closed due to usage restrictions. 
They added {$190.00} in late fees, requiring {$590.00} in total paymentswell above the {$460.00} high balance. 
As of XXXX, the account still shows scheduled payments and late codes even after resolution. 
As of XXXX, it reflects not more than 3 payments past due, yet I paid : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$55.00} XXXX : {$91.00} These payments followed settlement, yet derogatory marks remain. 
Date reported as XX/XX/XXXX is incorrect the account was settled and closed by XX/XX/XXXX. 
The status should read : Closed {$0.00} Balance No Derogatory Remarks. 

XXXX. XXXX XXXX XXXX  ( Acct. ending XXXX ) In XX/XX/XXXX, my credit report showed a balance of {$230.00}, which I satisfied by paying {$370.00}. 
The account continues to report past due balances through XX/XX/XXXX, despite overpayment. 
Date of first delinquency is listed as XX/XX/XXXX, but actual delinquency occurred in XX/XX/XXXX. 
It is falsely listed as charged off in XX/XX/XXXX, but delinquencies still appear after that date. 
Reported update date of XX/XX/XXXX is also inaccurate resolution was completed in XXXX. 

Specific Discrepancies by Bureau Experian : Reports scheduled payments on closed accounts, delayed update dates, and post-settlement delinquencies. 
TransUnion : Reflects inaccurate balances, active status after closure, and late codes even after {$0.00} balance is confirmed. 
Equifax : Shows misleading charge-off statuses and potentially negative flags despite full resolution and overpayment. 

XXXX XXXX  Issues Charge-offs and late payment notations remain after the accounts were settled and closed. 
Scheduled payments appear for months following the last payment or final settlement. 
Reporting dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) are incorrect, overstating activity and negatively affecting credit history length. 
Remarks vary some say settled, others say charge-off or paid in full, resulting in misleading data for lenders. 
None of the bureaus proactively corrected errors despite having access to closing information and payment history. 

Creditor Refusal to Cooperate and Withholding of Closure Confirmation Despite satisfying the balances in many cases paying well beyond what was owed XXXX XXXX and XXXX XXXX demonstrated a blatant unwillingness to cooperate or act in good faith. When I requested a basic letter confirming that the accounts were paid and closed, and that my credit reports would be updated accordingly, both creditors were adamant that they could not and would not provide such documentation. 

This refusal is not only unacceptable it raises serious legal concerns. Refusing to confirm in writing that a debt has been resolved, while continuing to report it negatively, may constitute a willful violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Worse, these refusals occurred despite the possibility that the accounts may have been securitized or transferred, meaning the creditors may no longer have had legal ownership or servicing authority to collect or settle the debts in the first place. Accepting payments, refusing to provide closure documentation, and continuing to report derogatory status under those conditions could constitute fraudulent misrepresentation and clear grounds for regulatory or legal action. 

This conduct is not only deceptive its abusive. It represents a potential violation of UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) and warrants immediate investigation. I am demanding not just correction of the credit reporting, but accountability for XXXX XXXX and XXXX XXXX deliberate obstruction and failure to comply with their legal obligations to provide transparency and resolution. 

Legal Right to Collect Formal Request for Documentation I am also formally requesting documentation establishing the legal right of each creditor to collect or settle these accounts at the time I made payments. Specifically : Confirm whether these accounts were securitized, sold, or transferred to a third-party or trust. 
Provide chain of title, servicing records, or assignment documentation showing the original creditor retained legal standing to collect. 
If not, this may constitute unauthorized collection in violation of the FDCPA, and misrepresentation of ownership under FCRA. 

Adverse Impact and Systemic Reporting Failures I have been denied credit and financial opportunities based on inaccurate and outdated information. 
Despite making good faith paymentsoften exceeding the balance owedIve been penalized as though I defaulted. 
These accounts were closed and inactive when I paid, yet creditors continued charging fees and reporting false delinquencies. 
These practices suggest systemic reporting failure and possible deceptive financial conduct, violating : FCRA 623 Duty to report accurate information FDCPA Potential unauthorized collection UDAAP standards If late fees or balances were charged inappropriately after closure. 

Violation Summary and Statutory Damages Claimed As a result of the continued inaccurate, misleading, and incomplete reporting of multiple accounts across Experian, TransUnion, and Equifax, and due to unlawful actions by XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, I am asserting multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provision under the Dodd-Frank Act. 

These violations have directly resulted in denials of credit, harm to my financial reputation, increased stress, and emotional hardship all despite my repeated attempts to resolve the accounts in good faith, including overpaying in some cases. 

Violations by Credit Reporting Agencies ( Experian, TransUnion, Equifax ) 1. FCRA 623 Inaccurate and Misleading Reporting All three bureaus continued to report late payments, scheduled payments, or derogatory statuses even after accounts were paid or settled. 
Reported remarks and statuses conflict across bureaus and contradict creditor-provided payment histories. 
2. FCRA 611 Failure to Correct After Dispute Despite multiple formal disputes, these bureaus failed to correct inaccurate tradelines. 
They continued to report false delinquencies without verification or timely updates. 
3. FCRA 607 ( b ) Lack of Maximum Possible Accuracy Account statuses, balances, and reporting dates are inconsistent and conflict with the actual resolution timeline. 
Incorrect last reported dates ( e.g., XXXX XXXX ) were used even though the accounts were resolved by XX/XX/XXXX. 
4. UDAAP Dodd-Frank XXXX Deceptive Reporting Practices These agencies allowed known false or incomplete data to remain on my credit reports for months. 
This misrepresentation caused tangible financial harm and reflected systemic reporting failure. 

Law Violated Description Supporting Detail Damages FCRA 623 Reported late payments after account settlement or full payoff All three bureaus show delinquencies post-resolution ( e.g., XXXX XXXX XXXX XXXX XXXX  ) {$1000.00} FCRA 611 Failed to correct errors after formal disputes No timely updates or adjustments made despite documentation {$1000.00} FCRA 607 ( b ) Failed to maintain maximum possible accuracy Conflicting remarks, incorrect balances, and inconsistent close dates {$1000.00} UDAAP XXXX Prolonged and harmful publication of false info Resulted in credit denials and reduced access to financial opportunities {$1000.00} Total Statutory Damages for Credit Bureaus : {$12000.00} ( {$4000.00} per bureau across four violations each ) Violations by Creditors / Furnishers XXXX XXXX XXXX  FCRA 623 ( a ) ( 1 ) ( A ) : Reported XXXX  day delinquencies after I paid {$370.00} on a {$230.00} balance. 
FCRA 611 : Failed to update remarks post-dispute, continuing to show charge-off status. 
FDCPA 807 : Refused to verify legal standing or confirm whether the account was securitized.

UDAAP 1036 : Denied my request for closure confirmation, and misrepresented the account post-payment. 

Law Violated Description Supporting Detail Damages FCRA 623 ( a ) ( 1 ) ( A ) Continued derogatory status after full payment {$370.00} paid on {$230.00} balance ; still marked as charge-off and late for months {$1000.00} FCRA 611 No correction after dispute Remarks and status remained unchanged {$1000.00} FDCPA 807 Collected without validating ownership Refused to confirm right to collect or securitization status {$1000.00} UDAAP XXXX Refused closure documentation ; misleading reporting Misrepresented post-payment status and caused ongoing harm {$1000.00} Total Statutory Damages : {$4000.00} XXXX XXXX XXXX XXXX FCRA 623 ( a ) ( 1 ) ( A ) : Reported late payments and continued scheduled payments even after the account was inaccessible and a settlement was underway. 
FCRA 611 : No correction made after dispute submission.

FDCPA 809 : Refused to validate ownership or provide closure documentation.

UDAAP 1036 : Charged late fees on a closed account and continued reporting the account as open despite full resolution. 

Law Violated Description Supporting Detail Damages FCRA 623 ( a ) ( 1 ) ( A ) Reported lates and balances after card was locked Usage blocked in XX/XX/XXXX but fees/lates reported through XXXX {$1000.00} FCRA 611 Dispute ignored Continued showing delinquency codes {$1000.00} FDCPA 809 Refused to validate debt or legal right to collect No closure confirmation provided {$1000.00} UDAAP XXXX Charged late fees after access was blocked Continued collection behavior on inactive account {$1000.00} Total Statutory Damages : {$4000.00} XXXXXXXX XXXX XXXX XXXX FCRA 623 ( a ) ( 1 ) ( A ) : Reported false delinquencies and continued late codes after the settlement had been paid. 
FCRA 611 : Failed to correct the account even after multiple disputes and confirmed payments.

FDCPA 809 : Would not provide documentation proving authority to collect or settle the debt.

UDAAP 1036 : Continued to report the account as active and overdue even though it was restricted and ultimately settled. 

Law Violated Description Supporting Detail Damages FCRA 623 ( a ) ( 1 ) ( A ) False delinquencies after settlement Settlement payments made but still listed as past due {$1000.00} FCRA 611 Failed to update after dispute No accurate status after full resolution {$1000.00} FDCPA 809 Refused to confirm account ownership or closure Repeated refusal to send resolution confirmation {$1000.00} UDAAP XXXX Misleading remarks and late fees after access blocked Continued harm through reporting and fee accrual {$1000.00} Total Statutory Damages : {$4000.00} Total Statutory Damages Claimed : {$24000.00} This total does not include : Actual damages for credit denials and higher interest rates Emotional distress and hardship from months of unresolved negative reporting Punitive damages for willful or repeated violations Legal costs or attorneys fees, if escalation becomes necessary Relief Requested I respectfully request that all reporting agencies and furnishers take immediate corrective action to : 1. Update and close all affected tradelines 2. Remove all derogatory notations applied post-settlement 3. Confirm and document their legal authority to collect or report on the account, including verification that the accounts were not securitized 4. Support statutory and compensatory damages to reflect the full scope of harm done If not resolved promptly, I reserve the right to seek full legal remedy under the FCRA, FDCPA, and UDAAP provisions through civil action and regulatory enforcement.

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