Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Experian After reviewing my credit report with your Company I have came across a FCRA violations On XXXX account XXXX This account was Placed with a 3rd Party Debt XX/XX/XXXX ( XXXX XXXX when I look at your credit report From XX/XX/XXXX the tradeline from your credit file DO NOT SHOW The account has been Transfer Nor Place with Capital. So I took to the FCRA AT FTC WEBSITE iT CLEARLY states That if a tradeline has been SOLD/ TRANSFERRED TO A 3RD PARTY DEBT COLLECTOR this information Must report on the consumer report I sent you a file of the report dated on XX/XX/XXXX as well at XX/XX/XXXX and I can send you XXXX if need be to show that this account is IN FACT IN VIOLATION OF THE FCRA I WOULD LIKE FOR YOU TO REMOVE THIS TRADELINE ASAP as this has effected My Ability to seek credit in my name and seek employee for negative inaccurate reporting the federal Law is very clear that a consumer credit report should be 100 % per accurate Please delete this account ASAP I HAVE ALSO ENCLOSED FACTUAL PROOF FROM THE CFPB WEBSITE WHAT XXXX HAS SAID IN THE CO Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : XXXX XXXX ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are properly addressed, your inquiry has been forwarded to my attention at the Executive Office of Customer Advocacy at XXXX. We regret to hear of your dissatisfaction regarding this matter. We have reviewed your account and confirmed that on XX/XX/XXXX, your account was placed with XXXX XXXX to assist with collection efforts on our behalf. Your debt has not been sold. As such, we are unable to honor your request to delete your XXXX card tradeline. We regret any inconvenience you may have experienced regarding our attempts to reach you in the past. We appreciate your concerns about collection calls and have confirmed that the calls you received regarding your account were made in an attempt to reach you to offer assistance in setting up payment arrangements. We have confirmed that all calls were made in accordance with our policies. We previously have not received a request to cease contact with you ; however, as of XX/XX/XXXX, we have taken the appropriate actions to prevent future contact regarding the status of your account. We have confirmed no calls have been made on the account since this date. Please understand that taking this action does not relieve you from your repayment obligation and may prevent us from being able to notify you of available repayment assistance or for other account servicing matters. Our records indicate that on XX/XX/XXXX, you enrolled in a repayment assistance program with decreased APR and late fee suppression for 12 months. As of the date of this letter, your account is past due with a minimum payment of {$280.00}, of which {$180.00} is past due, due by XX/XX/XXXX. We also note that on XX/XX/XXXX, you enrolled in our XXXX XXXX Payment XXXX program. Your first XXXX payment is scheduled to occur on XX/XX/XXXX from your XXXX XXXX Bank XXXX account ending in XXXX with routing number XXXX. Should you wish to discuss your account, please contact XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX XXXX ext. XXXX. Should you have further questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX, XXXX XXXX. to XXXX XXXX. ( ET ).  Sincerely, XXXX XXXX Executive Office of Customer Advocacy This is an attempt to collect a debt and any information obtained XXXXay be used for this purpose. CC : CFPBMPLAINT PLEASE DELETE THIS ACCOUNT FOR FACUAL BASE PROOF ALSO SEND ME A UPDATED CREDIT REPORT WHEN DONE SO THANK YOU

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