Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against Experian and XXXX regarding the unauthorized sale of the XXXX XXXX XXXX account to XXXX XXXX XXXX XXXX XXXX, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. 

Unauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to XXXX XXXX XXXX XXXX XXXX without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. 

Continuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. 
The account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. 

Dispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through Experian and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. 

Fair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. 

Immediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by Experian and XXXX. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. 

Transparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. 

Compliance with FCRA : I request the CFPB to investigate and ensure that Experian and XXXX comply with the provisions outlined in the Fair Credit Reporting Act. 

The unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. 

I appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.

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