Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX RE : Formal Complaint Against XXXX XXXX XXXX XXXX  FCRA Violations and Inaccurate Credit Reporting COMPLAINT SUMMARY Complaint Type : Credit Reporting Sub-issue : Incorrect information on credit report Collection Agency : Fair Collections & Outsourci Original Creditor : XXXX at XXXX XXXX XXXX XXXX : {$3500.00} Date Issue Began : XX/XX/XXXXXXXX  DETAILED COMPLAINT Background of Issue I am filing this complaint against XXXX XXXX XXXX XXXX  for reporting inaccurate and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ). This collection account stems from a dispute with XXXX at XXXXXXXX XXXX XXXX  where they wrongfully refused to accept my legitimate rent payment of {$3500.00} for my final two months of tenancy. 

Specific Violations 1. FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) Violation : XXXX XXXX XXXX XXXXXXXX is furnishing information they know or have reasonable cause to believe is inaccurate. The debt was created solely through the original creditor 's bad faith refusal to accept valid payment, not through any legitimate default on my part. 

2. Misleading Credit Reporting : The collection account misrepresents the circumstances by showing it as a legitimate debt when in reality : - I attempted to pay rent in full and on time - XXXX at XXXX refused payment without legal justification- This refusal forced me to vacate the premises- The landlord then claimed unpaid rent despite refusing my payment Impact on Consumer This inaccurate reporting has caused significant harm : - Damaged my credit score ( currently XXXX ) - Limited my ability to obtain credit - Caused emotional distress and financial hardship - Created barriers to housing opportunities ACTIONS TAKEN I have taken the following steps to resolve this matter : - Filed disputes with all three major credit bureaus ( Experian, XXXX, XXXX ) - Documented the circumstances surrounding the payment refusal - Attempted to communicate with the collection agency - Researched my rights under the FCRA REQUESTED RESOLUTION I respectfully request that the CFPB : 1. Investigate XXXXXXXX XXXX XXXX XXXXXXXX for FCRA violations 2. Require immediate removal of this inaccurate collection from all credit reports 3. Ensure compliance with federal credit reporting laws 4. Take enforcement action against the collection agency if violations are confirmed 5. Require notification to all parties who received my credit report of the deletion SUPPORTING INFORMATION I am prepared to provide additional documentation including : - Copy of lease agreement - Evidence of attempted payment - Communications with apartment complex - Current credit reports showing the collection - Copies of dispute letters sent to credit bureaus XXXX XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX Original Creditor : XXXX at XXXX XXXX XXXX XXXX, TX XXXX CONSUMER RIGHTS ASSERTION Under the Fair Credit Reporting Act and other federal consumer protection laws, I assert my right to : - Accurate credit reporting - Prompt investigation of disputes - Deletion of inaccurate information - Protection from unfair debt collection practices CONCLUSION This complaint represents a clear case of inaccurate credit reporting that has caused significant harm to my creditworthiness and financial well-being. The collection agency 's continued reporting of this artificially created debt constitutes a violation of federal law and consumer protection standards. 

I request prompt investigation and resolution of this matter to protect my consumer rights and ensure compliance with federal credit reporting laws. 

Respectfully submittedXXXX XXXX Date : XX/XX/XXXX ENCLOSURES : - Copy of ID - Copy of current credit reports- Proof of address - Copies of dispute letters to credit bureaus SUBMISSION METHODS : - Online : consumerfinance.gov/XXXX  - Mail : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX - Phone : ( XXXX ) XXXX

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