Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute the accuracy and validity of an account reported on my credit report by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the specific issues : XXXX. XXXX XXXX of XXXX XXXX : The report states, Account information disputed by consumer, meets FCRA requirements. If you did not agree to this dispute resolution or if the dispute was not properly investigated, this statement might be misleading. 
XXXX. Unauthorized Transfer or Assignment of Debt : If you did not agree to any payments or the transfer of this account to a third party ( XXXX Funding ), it could be a violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Potential Obsolete Information : The accounts Date Opened is listed as XX/XX/XXXX, with the Last Reported date as XX/XX/XXXX. If the original delinquency occurred in XXXX, this account XXXX soon exceed the seven-year reporting limit for negative items under the FCRA. 
XXXX. Lack of Supporting Payment History : The report does not provide a detailed payment history or verification of how the debt reached Collection/Chargeoff status. This lack of transparency raises concerns about the accuracy and verifiability of the report. 
XXXX. Incorrect Reporting of Collection Activity : If XXXX Funding is reporting this account as Collection/Chargeoff without proper documentation or consent, this could constitute a violation of the FCRA and FDCPA. 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure the information they report is accurate and verifiable. Inconsistent and unclear reporting violates this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported for more than seven years from the date of the first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed this account and it remains unresolved or improperly updated, this indicates a failure to conduct a proper investigation.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) XXXX be reporting incorrect or unverifiable information. 
XXXX. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : If XXXX XXXX reported this debt without your consent or misrepresented its authority to collect, this could violate FDCPA provisions.

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