Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and unlawful reporting of accounts on my credit report by Experian, specifically accounts that have been sold to third parties. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), the original creditor loses all rights to report, reassign, or sell such accounts once they have been transferred to a XXXX XXXX  XXXX continued reporting of these accounts is in direct violation of federal law, as well as your obligations as a consumer reporting agency. I demand the immediate removal of these accounts from my credit report, as your failure to comply has caused significant XXXX to my financial opportunities, including my ability to rent, secure loans, and access other credit-related services. 

On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian in Washington, XXXX, for its failure to properly investigate consumer disputes and remove or correct errors on credit reports, as reported in the document I have reviewed ( CFPB XXXX Experian, Case No. XXXX ). The CFPB specifically alleged that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of inaccurate or false information on credit reports. This inaccurate information directly XXXX  consumers access to credit, employment, and housingprecisely the XXXX  I am experiencing due to XXXX actions. 

The accounts in question, which were sold to XXXX XXXX, are no longer the legal responsibility of the original creditor. Under the FDCPA, specifically XXXX XXXX. XXXX, the original creditor relinquishes all rights to report or collect on the debt once it has been sold. Furthermore, under the FCRA, XXXX XXXX. XXXX ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. By continuing to report these accounts, Experian is knowingly violating this statute, as the original creditor no longer has the legal authority to report, reassign, or sell the debt. Additionally, under XXXX XXXX. XXXX ( a ), Experian is obligated to conduct a reasonable investigation of disputed information and delete any information that can not be verified. Your failure to remove these accounts after they were sold constitutes a willful violation of this provision. 

Moreover, Experians actions violate XXXX XXXX. XXXX, which prohibits the reporting of obsolete information. Once an account is sold, the original creditors reporting rights cease, and any continued reporting becomes inaccurate and obsolete. The CFPB lawsuit explicitly highlights XXXX systemic failure to address such issues, noting that your inadequate dispute resolution processes have led to widespread consumer XXXX I am directly impacted by this misconduct, as the presence of these accounts on my credit report has severely XXXX my ability to secure housing, obtain loans, and pursue employment opportunities. 

I also reference the case brought against XXXX XXXX by the CFPB on XX/XX/year>, as cited in the document ( Complaint ID : XXXX ). XXXX XXXX was found to be in violation of the FDCPA because it is a rent-to-own organization, not a debt collection agency, and therefore not subject to the same reporting rights as a creditor. Similarly, once an account is sold to a XXXX XXXX, the original creditor loses its reporting rights, and Experians continued inclusion of such accounts mirrors this unlawful practice. 

XXXX failure to comply with federal law has caused me significant XXXX XXXX XXXX XXXX The inaccurate reporting of these accounts has directly resulted in denials of credit, increased interest rates, and lost opportunities for housing and employment. Under XXXX XXXX. XXXX and XXXX, I am entitled to damages for both willful and negligent noncompliance with the FCRA, including actual XXXX statutory XXXX, punitive XXXX, and attorneys fees. I am prepared to escalate this matter to the CFPB and pursue legal action, if necessary, as XXXX practices have already been deemed unlawful by federal regulators. 

XXXX. Statutory violations already found against Experian On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed suit against Experian for failing to investigate consumer disputes and for retaining inaccurate information on consumer reports ( CFPB XXXX Experian, Case No. XXXX ). The CFPB alleges that Experians systemic shortcomings, identical to those affecting my file, XXXX consumers access to credit, employment, and housingprecisely the injuries I am now suffering. 

XXXX. Experians specific breaches of federal law FCRA, XXXX XXXX. XXXX ( b ) Experian must follow reasonable procedures to assure maximum possible accuracy. Where the original creditor has divested itself of all legal interest in a debt, continued reporting is per XXXX inaccurate. 

FCRA, XXXX XXXX. XXXX ( a ) Upon notice of a dispute, Experian must undertake a reasonable reinvestigation and delete any information that can not be verified. 

FCRA, XXXX XXXX. XXXX ( b ) ( XXXX ) ( A ) ( XXXX ) Data furnishers ( including debt buyers ) must promptly investigate and correct inaccurate data once notified. 

FDCPA, XXXX XXXX. XXXX & XXXX ( XXXX ) The original creditor loses all authority to communicate credit information after selling a debt ; any further reporting is a false representation. 

Because I never signed, authorized, or otherwise consented to the reassignment of the debts at issue, your continued publication of these tradelines is unlawful. Under Floridas Consumer Collection Practices Act, XXXX XXXX. XXXX ( XXXX ), and the Florida Deceptive and Unfair Trade Practices Act, XXXX XXXX. XXXX, the unauthorized dissemination of inaccurate credit data is likewise prohibited.

Company response to consumer: Closed with explanation