Consumer complaint received 2025-01-04 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 writing to dispute the reporting of the XXXX XXXX account referenced on my credit report. Upon review of my credit report and the response provided by XXXX XXXX to my CFPB complaint, I have identified numerous inaccuracies, violations of federal law, and failures to comply with required processes. I hereby demand the immediate deletion of this account from my credit report.

Account Information Creditor Name : XXXX XXXX. 
Account Number : XXXX Type : Unsecured Installment Loan Status : Derogatory/Charge-Off Balance : {$0.00} Inaccuracies and Legal Violations Identified 1. Inconsistent Reporting Across Credit Bureaus XXXX and Experian report " CO '' ( Charge Off ) statuses for months post-charge-off. 
XXXX, however, reports " OK '' for XXXX and XXXX. 
This inconsistency violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : Duty to correct and update inaccurate information after a dispute.

2. Improper and Repeated Charge-Off Reporting XXXX XXXX XXXX XXXX report a " CO '' status monthly, even after claiming the debt was sold to XXXX. Once a debt is sold, the original creditor is required to cease reporting. The continued " CO '' status misrepresents the account and inflates its negative impact on my credit. 
Violates : 15 U.S.C. 1681e ( b ) : Inaccurate and misleading reporting. 15 U.S.C. 1681s-2 ( a
) ( 1 ) ( B ) : Prohibition against furnishing information known to be inaccurate.

3. Discrepancy in " Date of Last Payment '' The " Date of Last Payment '' is listed as XX/XX/XXXX, but no activity or evidence supports this date in the payment history. This inaccuracy is misleading and fails to reflect proper historical accuracy.

Violates : 15 U.S.C. 1681e ( b ) : Duty to report accurate information.

4. Failure to Notify or Provide Valid Proof of the Debt I was not notified of this alleged debt, nor was any signature or acknowledgment provided to demonstrate I was informed of it. 
No signed contract, agreement, or validation has been produced. Any claim of electronic signature must comply with the XXXX XXXX ( 15 U.S.C. 7001 ), which requires : Clear and demonstrable consent to conduct business electronically.

Verification of identity and proof of intent to enter into an agreement.

Failure to meet these standards or present valid documentation constitutes fraud or misrepresentation. If any electronic signature has been fabricated, this is a serious legal violation.

Violates : FDCPA 15 U.S.C. 1692g : Failure to validate the debt upon request. FCRA 15 U.S.C. 1681s-2 ( a ) : Prohibiti
on on reporting unverifiable information.

E-SIGN Act : Failure to meet legal requirements for electronic signatures.

5. Failure to Respond to Validation Requests Oportun Inc. has failed to validate this debt upon prior request, including providing details about representatives or documents used to substantiate this account. 
Violates : FDCPA 15 U.S.C. 1692g : Obligation to validate the debt upon dispute.

FCRA 15 U.S.C. 1681i ( a ) : Requirement to investigate disputes thoroughly.

6. Duplicate Reporting If XXXX, the alleged purchaser, is also reporting this account, this constitutes duplicate reporting, which is strictly prohibited. 
Violates : 15 U.S.C. 1681e ( b ) : Ensuring accurate representation of debt obligations.

7. Failure to Issue a Form XXXX XXXX XXXX has not provided evidence of issuing a Form XXXX for the canceled debt, despite the amount exceeding {$600.00} as required by IRS guidelines. The lack of such documentation casts doubt on the legitimacy of the " charge-off '' status and {$0.00} balance. 
Violates : 26 U.S.C. 6050P : Reporting requirements for canceled debts.

Requested Resolution Immediate Deletion of the Account I demand the immediate deletion of this tradeline from all credit reporting agencies due to the numerous violations, inaccuracies, and lack of substantiation outlined above.

Cessation of Inaccurate Reporting XXXX XXXX must cease reporting any information on this account to prevent further inaccuracies and harm. 
Investigation and Action Taken Conduct a thorough investigation into these issues and provide me with written confirmation of the actions taken to correct this matter. 
Failure to resolve this dispute will result in legal action, including : Filing additional complaints with the CFPB and FTC. 
Seeking damages in civil court for violations of the FCRA and FDCPA, including statutory damages, punitive damages, and attorneys fees.

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