Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with Experian and XXXX XXXX The account has been reported inconsistently between the two bureaus, with one showing a collection/charge-off status and the other reporting severe late payments. Additionally, the sale of my account to collections occurred without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reporting agencies, compensation for the damages caused, and a thorough investigation into these issues.

Issues Identified 1. Unauthorized Sale of Account : The XXXX XXXX XXXX account was sold to collections without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ).

2. Inaccurate Reporting : Account Status : Experian : Collection/Charge-off XXXX : Reported as 120 days late, with additional claims of being Was 120 Days Late 13 Time ( S ), which is inaccurate and misleading.

Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : Not reported XXXX : XX/XX/XXXX The discrepancies between the credit bureaus reporting, particularly regarding the account status and payment history, indicate significant inaccuracies. 

Violations and Impact The discrepancies in the reported information and the unauthorized sale of the account to collections without my consent violate my rights under the FCRA and privacy laws. The incorrect information regarding the payment status, particularly the erroneous reporting of being 120 days late XXXX times by XXXX, is misleading and has caused undue harm to my credit profile and emotional distress.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, including the protection of sensitive information from unauthorized disclosure.

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