Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX Bank for fraudulent debt collection, credit reporting, and failure to disclose securitization of my account. 
On or about XX/XX/XXXX and XX/XX/XXXX, I issued multiple written and validation requests to XXXX XXXX. They failed to provide proper validation, producing only account statements and not the chain of title, assignment, or proof of lawful ownership. 
I have asked XXXX XXXX to confirm or deny XXXX simple questions ( XXXX ) Was my account securitized? ( XXXX ) Was my account sold. If so, I do not you anything. ( XXXX ) Was my account transferred into an XXXX ( Special Purpose Vehicle ) and traded on the secondary market? No response to my questions! However, I have been sent stacks of statements! 
As a results, XXXX XXXX, my XXXX card with a balance of {$8700.00}. However, my account was already securitized and sold into an asset-backed trust under ( XXXX XXXX. XXXX ). 
The securitized pool tied to this XXXX has a net value exceeding {>= $1,000,000} XXXX, yet XXXX continues to pursue me personally for a debt they no longer own or control. 
Despite securitization and payoff, XXXX continues to furnish inaccurate negative tradelines to Experian, XXXX, and XXXX  causing severe damage to my credit score and ability to obtain housing, credit, or business financing. 
XXXX XXXX has a copy of my XX/XX/XXXX statement for my XXXX credit card but the account number listed is not the same account number I have on my statement XX/XX/XXXX statement. This account has been closed nearly a year. Therefore, no new account should exist with my name or business on it that I did not open or authorize. 
In conjunction with securities fraud, I will be filing my complaint with the Attorney General and the XXXX. 
I have disputed the account over the course of monthsXXXX XXXX, Experian and XXXX XXXX continue to come back stating the account was verified. This is false, they never provided their method of verification and because of the truth and proof, they will also be included in my lawsuit for violating the FCRA. 
Therefore, there is fraud, misrepresentation, breach of contract, omission of facts, failure to properly validate and possible securities fraud. I have XXXX additional accounts with similar circumstances and very obvious fraud involved. I will be filing the next XXXX complaints following this filing. I will be filing my lawsuit on XXXX XXXX. I have attached responses stating how they only sent statements when it does not address the action questions or lawfully validation of an account. I have my statements showing multiple account numbers for my initial account that was closed and the account I did not open or authorize. Finally, I have the XXXX  to show the original account and the new account I did not authorize.

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