Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Experian, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Equifax, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX TransUnion, XXXX. XXXX XXXX, XXXXXXXX XXXX  XXXX Subject : Immediate Request for XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern, This correspondence serves as formal and urgent notice that the undersigned, XXXX XXXX XXXX, currently serving on XXXX XXXX in the XXXX XXXX  XXXX, is protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901 et seq. This federal law mandates that creditors, lenders, and credit reporting agencies extend certain legal protections to active-duty military members. 
Despite the clear protections outlined in the SCRA, I have discovered that my consumer credit reports maintained by Experian, Equifax, and TransUnion contain inaccurate and damaging information, including but not limited to : Late payment notations Negative items related to foreclosure activity Negative items related to collections Accounts not marked Paid As Agreed Accounts not reflecting my protected status under SCRA The following accounts are affected by this failure to follow federal law. Change account status and history to reflect the below changes. 
a ) XXXX XXXX  XXXX ( Update to paid as agreed, never late PAANL ) ( prepaid card ) b ) XXXX XXXX XXXX XXXX XXXX ( Update to paid as agreed, never late ( PAANL ) ) c ) XXXX XXXX XXXX XXXX XXXX ( Update to paid as agreed, never late ( PAANL ) ) d ) XXXX XXXX XXXX XXXX XXXX ( Update to paid as agreed, never late ( PAANL ) ) XXXX ) XXXX XXXX XXXX  ( update to paid as agreed, never late ( PAANL ) ) f ) XXXX XXXX XXXX ( collection paid as agreed, never late ( PAANL ) ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Remove ) h ) XXXX XXXX XXXX XXXX ( update to paid as agreed, never late ( PAANL ) ) i ) XXXX XXXX XXXX ( Removed off of credit report XX/XX/XXXX ) These entries are not only inaccurate but are in direct violation of my federally mandated rights under the following provisions : 50 U.S.C. 3937 Limits interest rates to 6 % and prohibits adverse credit reporting for those accounts during military service.

50 U.S.C. 3953 Prohibits foreclosure or enforcement of certain obligations during military service without a court order.

50 U.S.C. 3911 et seq. Ensures that no obligation or liability incurred before XXXX XXXX service shall adversely affect the servicemembers rights. 

Therefore, I demand the following immediate actions be taken within XXXX hours of receipt of this letter ( or the earliest legally allowable timeframe ) : XXXX of all derogatory information from my credit reports related to accounts active before or during my period of service. 
XXXX of all affected tradelines to reflect Paid as Agreed or current/positive status. 
XXXX complete reinvestigation and compliance review in accordance with the Fair Credit Reporting Act ( FCRA ) and SCRA. 
XXXX written confirmation from each credit bureau and the CFPB detailing the steps taken to rectify these violations. 
I have attached a copy of my XXXX XXXX orders for verification and request that all future communications regarding this matter be sent to both my mailing address and email on file. 
Failure to comply with these lawful demands may result in legal action, including but not limited to formal complaints with the Department of Justice ( XXXX  ), XXXX XXXX XXXX XXXX, and additional civil remedies. 
Respectfully, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Phone : ( XXXX ) XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Copy of Drivers License or Military ID ( if required ) Proof of address

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