Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( Successor in Interest to XXXX XXXX XXXX ) and their legal counsel, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) of XXXX XXXX XXXX XXXX, for unlawful and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Metro 2 credit reporting standards. They are attempting to collect a debt allegedly owed to XXXX XXXX XXXX in the amount of {$1400.00} or any amount, but I have no contractual relationship with XXXX XXXX XXXX  and never entered into any agreement with them. 

XXXX XXXX XXXX is not my creditor, and no debt is owed for any amount. XXXX XXXX XXXX ( XXXX in XXXX to XXXX XXXX XXXX  ) is not my creditor, and no debt is owed for any amount. 

I am also reporting TransUnion for unlawfully publishing and maintaining a false and unverified collection tradeline furnished by XXXX XXXX XXXX, identifying XXXX XXXX XXXX XXXX as the original creditor and listing a balance of {$1400.00} or any amount. This tradeline is materially inaccurate, lacks proper verification, and remains on my credit file despite clear dispute and failure to provide documentation substantiating the debt. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that TransUnion maintain reasonable procedures to assure maximum possible accuracy of the information it reports. TransUnion has failed to comply with this duty, as no signed contract, chain of title, or proof of account ownership has been produced in connection with this tradeline. 

Further, TransUnion is in violation of 15 U.S.C. 1681i ( a ) for failure to conduct a lawful reinvestigation upon notice of dispute. Despite the absence of evidence from the data furnisher ( XXXX  ), the tradeline remains on file. This tradeline is also not properly marked using Metro 2 XXXX XXXX XXXX XXXX, which is required to indicate that the account is disputed by the consumer. The account is also falsely listed as Open instead of showing a charge-off or closed status. Additionally, the Date of First Delinquency ( DOFD ) and Date of Last Payment ( DLP ) are either missing or unverifiable. 

XXXX continued publication of this informationafter formal dispute, without evidence, and in direct contradiction to other credit sources such as XXXX and XXXX, which show no XXXX XXXX XXXX account on fileis a willful violation of FCRA 1681e ( b ), 1681i ( a ) ( 1 ), and 1681i ( a ) ( 5 ). This has caused harm to my credit profile, interfered with my access to credit, and violated my rights under federal law. 

I demand the immediate deletion of this tradeline from my TransUnion credit report, a full reinvestigation of its origin and accuracy, and regulatory enforcement action against TransUnion for its continued failure to ensure accurate reporting and fair dispute resolution procedures. 

This debt is not mine. I never signed any contract or agreement with XXXX XXXX XXXX  and have no financial relationship with them. Upon recent investigation, new evidence from both XXXX and XXXX confirms that there is no account reported from XXXX XXXX XXXX on my credit reportsno charge-off, no outstanding balance, and no reference to any debt matching this amount. This is strong evidence that no such debt originated from XXXX XXXX XXXX  and that the claim is fraudulent or erroneously attributed to me. 

Despite my dispute and demand for validation, XXXX XXXX XXXX and XXXX XXXX have failed to provide any required documentation under the FDCPA. They have not furnished a signed contract bearing my full legal name and Social Security number. They have not produced a bill of sale, assignment of rights, or purchase agreement establishing a legal basis to collect this debt from me. There has been no validation package sent or offered, despite the debt being disputed directly and appearing in my credit report. 

Moreover, the reporting of this tradeline to TransUnion appears to be in direct violation of Metro 2 standards and the FCRA. Specifically, the tradeline is misrepresented as " Open '' when it should reflect a charged-off or closed status. There is no accurate Date of First Delinquency ( DOFD ) or Date of Last Payment ( DLP ) listed. The compliance condition code indicating the account is under dispute is either missing or improperly formatted, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ) regarding the reporting of accurate and verified data. These misrepresentations harm my credit profile and constitute the furnishing of inaccurate and misleading information. 

Additionally, if the alleged account was in fact charged off by XXXX XXXX XXXX, a 1099-C ( Cancellation of Debt ) should have been issued and reported to the IRS. There is no record of any 1099-C from XXXX XXXX XXXX  XXXX which calls into question whether the charge-off was ever lawfully recognized or whether XXXX XXXX is attempting to collect on a debt that was already discharged or abandoned for tax purposes. 

XXXX XXXX XXXX and attorney XXXX XXXX have engaged in unfair, deceptive, and illegal collection activity without validating the debt, without lawful ownership or assignment, and while furnishing inaccurate and misleading information to TransUnion. This conduct violates FDCPA 1692e, 1692f, and 1692g, as well as FCRA 1681s-2 ( a ) ( 1 ), 1681e ( b ), and 1681s-2 ( b ). Their actions are abusive, unlawful, and damaging to my financial well-being. 

I request that the CFPB investigate this matter thoroughly. I am seeking the immediate removal of this tradeline from all credit reporting agencies, formal enforcement action against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, and referral to the XXXX  XXXX XXXX for potential ethical violations by attorney XXXX XXXX. I also request that no further collection attempts be made on this debt and that all references to it be withdrawn from my credit file. This is a serious violation of federal consumer protection laws and must be addressed immediately.

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