Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
At the time of both my electronic and written disputes, all of my credit reports and related consumer databases ( Experian, XXXX XXXX etc. ) were frozen. Despite this, the XXXX XXXX XXXX tradeline was verified via E-Oscar during my electronic dispute submission in XX/XX/XXXX and again during my mailed dispute dated XX/XX/XXXX. 

Given that my credit files were not accessible to third parties during these timeframes, XXXX XXXX XXXX and Experian must explain how the verification process was conducted. Under the FCRA, specifically 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), a reinvestigation must be a reasonable investigation, and furnishers must respond with verifiable, accurate information.

If my frozen credit files were bypassed or ignored, or if the tradeline was " verified '' without actual investigation due to file inaccessibility, then both parties may be in willful noncompliance. This would constitute false certification of accuracy and furnish of incomplete or inaccurate data in direct violation of the FCRA. 

I am filing a complaint against XXXX XXXX XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the incorrect and misleading reporting of an account that was charged off in XX/XX/XXXX and subsequently sold to XXXX XXXX XXXX XXXX XXXX.. 

Failure to Accurately Report the Account : The account in question was charged off in XX/XX/XXXX with a balance of {$15000.00}. However, XXXX XXXX XXXX has continued to report an incorrect balance, which does not reflect the repossession sale proceeds of {$6800.00}. The remaining balance should have been {$8300.00}, but XXXX has failed to update this information. This is a direct violation of FCRA Section 1681c, which mandates the accurate reporting of consumer information.

Inaccurate Reporting of Account Ownership : XXXX XXXX XXXX no longer owns the debt, as it was sold to XXXX XXXX XXXX XXXX XXXX. Therefore, they are not permitted to report or update this account, and yet they continue to do so, which constitutes FCRA violations. 

Failure to Provide Proof of Repossession Sale and Debt Ownership : I have requested documentation of the repossession sale proceeds and the application of the sale price towards the balance, but XXXX has failed to provide any evidence of the sale or how it was applied. Additionally, XXXX has not provided proof of ownership of the debt at the time of reporting. 

Failure to Verify the Debt : I disputed this debt with Experian in XX/XX/XXXX, and XXXX XXXX XXXX was involved in the verification process. However, as XXXX no longer owns the debt, they should not have been able to verify the debt. I am requesting an explanation of how XXXX was able to verify this debt when they no longer own it, and I demand proof of the verification process they used.

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