Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I mailed Experian a letter via mailed on XXXX stating that they are reporting inaccurate information, Account name : XXXX XXXX  Account number : XXXX, I contacted the original creditor directly and disputed with them and they mailed me a letter stating that they sold and no longer own the account and any questions that I have I would have to contact the new owner, I mailed Experian a copy of the letter that the company mailed me along with a letter explaining what the letter was and why I had mailed it. Experian emailed me on XX/XX/XXXX stating that the account in questioned was updated, I provided Experian documentation proof with the company clearly stating they sold the account and no longer owns it, which means as of now Experian is willful and knowingly reporting inaccurate information which is a violation of the FCRA, Experian continues to report information that has proven to be false through documentation, Experian, has engaged in willful noncompliance, they ignored the facts, failed to investigate my dispute properly and reporting information with reckless disregard for accuracy, it is Experian responsibility to make sure the consumers credit report is 100 % accurate and complete because they assumed the role.15 USC 1681 section ( 602 ) Clearly states they are required as credit reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumers credit and other information so that it is fair and equitable to the consumer, not the creditor. By Experian, continuing to report this inaccurate information on my behalf, how is that fair and equitable to me as the consumer. UCC 9-318 states when an original creditor sells or assigns an account, the original creditor relinquishes its rights to the account which means they no longer have any rights to the account which includes the reporting of the account. I have disputed this account in the past, date : XXXX certified mail # : XXXX XXXX XXXX XXXX XXXX, and it came back as updated, while continuing to report incomplete payment history, which is an violation of the FCRA, if the tradeline was opened in XXXX why is there no record of payment history just the date the tradeline was charged off which is XXXX of XXXX, the FCRA clearly states information reporting must be accurate and complete, theres also no last date of delinquency reporting, which brings me to my next question how can you determine when the tradeline is due to be removed from my consumer report when Experian, is not reporting the last date of delinquency, thats another ( FCRA ) violation, reporting incomplete information. Experian also failed to mark the account, disputed by consumer during an ongoing investigation, which is another ( FCRA ), violation, with all the violations appearing on this account, further proves that Experian did not properly investigate this account, which is part of their lawful duty because they assumed the role. If Experian continues to report this account on my behalf, knowing that they are reporting inaccurate and incomplete information after receiving the documentation that the company no longer owns the account, reporting incomplete payment history and no last date of delinquency. Experian will leave me know choice but to take legal action and sue them, for Statutory damages, Punitive damages, defamation of character and Attorney fees. I request that this account be deleted immediately, or the expense will be greater than it is to continue to report this inaccurate and incomplete information.

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