Consumer complaint received 2024-12-31 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: MO

Complaint narrative:
XXXX  : XXXX Date XXXX XX/XX/XXXX XXXX. Summary of Violations This report outlines violations identified in credit reports from Experian, XXXX, and XXXX, as well as supporting documentation from uploaded financial and contractual records. The identified violations include name and address inaccuracies, re-aged accounts, late payments, unauthorized third-party account handling, improper contractual terms, creditor harassment, and issues with Department of Education/XXXX  XXXX XXXX XXXX These violations contravene federal laws, including : Fair Credit Reporting Act ( FCRA ) Truth in Lending Act ( TILA ) Federal Trade Commission ( FTC ) XXXX Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX laws XXXX  : XXXX BENEFICIARY XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : XXXX Complaint Against Credit Reporting Agencies and XXXX XXXX for XXXX XXXX Inaccuracies, Unauthorized Inquiries, and Incorrect Personal Information on My Credit Report Agencies XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 
Experian, XXXX XXXX XXXX, XXXX, TX XXXX Dear CFPB, I am filing this formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and debt buyers. These violations include inaccurate reporting of charge-offs, unauthorized inquiries, incorrect personal information ADDRESS NAMES, and errors that continue to harm my credit profile. Despite my efforts to resolve these matters directly, the violations remain unaddressed. I seek your intervention to enforce the law and hold the responsible parties accountable. 
MY NAME XXXX  : XXXX BENEFICIARY XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Re : Violations of Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) I recently got a copy of my consumer file and noticed that there was inaccurate information. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information from. Please PERMANENTLY REMOVE the following. 
This letter serves as a demand for immediate corrective actions, including the removal of inaccurate information from my credit report and the imposition of appropriate fines and penalties for your non-compliance.the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX. I demand immediate corrective actions, including the removal of inaccurate information, imposition of fines, and enforcement of compliance with relevant laws You are referring to a portion of XXXX XXXX XXXX XXXX ( a ), which outlines restrictions on the inclusion of certain types of information in consumer reports. Here 's a rewritten version of the relevant clause with clarity on what consumer reporting agencies can not include : Consumer reporting agencies are prohibited from including in a consumer report any adverse items of information ( other than records of convictions of crimes ) that are older than 7 years. This includes adverse financial data such as : Accounts sent to collections. 
Charged-off accounts. 
Any other negative financial information. 
However, records of convictions of crimes are an exception to this rule and XXXX be reported beyond the XXXX limitation. 
This provision ensures that outdated and irrelevant negative information ( except criminal convictions ) does not unfairly impact a consumer 's creditworthiness or access to opportunities. 
INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current XX/XX/XXXX XXXX XXXX Code XXXX ( a ) ( XXXX ) pertains to the responsibilities of entities that furnish information to consumer reporting agencies, ensuring accuracy in the information they provide. Here 's a clear summary : XXXX XXXX Code XXXX ( a ) ( XXXX ) - Duty of Furnishers to Provide Accurate Information Prohibition on Reporting Inaccurate Information : A furnisher ( such as a creditor or lender ) can not knowingly furnish information to a consumer reporting agency if : The information is inaccurate. 
The furnisher has reason to believe the information is inaccurate. 
XXXX to Update and Correct Information : If the furnisher discovers that previously provided information is inaccurate or incomplete, they must : Promptly correct or update the information. 
Notify all consumer reporting agencies to which the inaccurate information was furnished. 
INCORRECT NAMES XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX INCORRECT ADDRESS I DONOT LIVE HERE XXXX XXXX XXXX XXXX, XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This section ensures that entities providing data to credit bureaus uphold accuracy and transparency, reducing the risk of harm to consumers due to incorrect information on their credit reports. Would you like further details or help crafting a notice or dispute related to this? 
Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), it is explicitly prohibited for any person to furnish information to a consumer reporting agency if : The information relates to a transaction or experience ( e.g., payment history ) that the person knows or has reasonable cause to believe involves an illegal activity. 
This includes any dealings or transactions, such as reporting payment history or account activities, that are associated with unlawful conduct. Reporting such information is considered a violation of federal law and undermines the integrity of consumer reporting. 
Let me know if you need help drafting this into a formal letter or document! 
Under XXXX XXXX XXXX XXXX ( f ), the illegal reporting of inquiries refers to the prohibition of accessing or furnishing consumer reports for impermissible purposes. Here 's how this applies : Illegal Reporting of Inquiries : A consumer reporting agency or any person shall not obtain or use a consumer report unless : The report is requested for a permissible purpose as outlined in XXXX XXXX Code XXXX ( a ) ( e.g., credit applications, employment, insurance underwriting ). 
The requester has a legitimate business need for the information, authorized by the consumer or required by law. 
If an inquiry appears on a consumer 's credit report without a valid permissible purpose or the consumer 's authorization, this constitutes illegal reporting of inquiries. Such unauthorized inquiries can harm a consumer 's XXXX XXXX or appear as misuse of their personal information. 

Would you like help drafting a dispute letter to address unauthorized inquiries or further explanation of permissible purposes? 



Companies IN VIOLATIONS I HAVE NO CONTRACTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized Hard and Soft Inquiries Violations of XXXX XXXX Code XXXX Credit reporting agencies have allowed unauthorized hard and soft inquiries to appear on my credit report. Under XXXX XXXX XXXX XXXX ( XXXX ) ( a ), a consumer report XXXX only be furnished for permissible purposes, such as when there is a direct contractual relationship or when the consumer has provided explicit written consent. In my case, I did not authorize these inquiries. The continued presence of these inquiries violates the FCRA, and they must be deleted immediately. 

HARD INQUIRIES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Credit Report XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Credit Report XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Direct to Consumer Report XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX to XXXX Report XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX - XXXX ID Report XX/XX/XXXX XXXX CONSUMER ASSISTANCE CENTER Automated Consumer Interview System XX/XX/XXXX XXXX CONSUMER ASSISTANCE CENTER Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX Credit Report XX/XX/XXXX XXXX XXXX SVCS Automated Consumer Interview System XX/XX/XXXX XXXX/EXPERIAN XXXX Direct XXXX Consumer Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX CONSUMER SERVICES Direct XXXX Consumer Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX AUTO MTNC UP XXXX Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX System XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX Credit Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XXXX XXXX, XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XXXX XXXX, XXXX XXXX, XXXX All other Prequalifications not listed XXXX XXXX, XXXX XXXX, XXXX Credit Report XXXX XXXX, XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XXXX XXXX, XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XXXX XXXX, XXXX XXXX XXXX XXXX Credit Report XXXX XXXX, XXXX XXXX CONSUMER SERVICES Direct XXXX Consumer Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX Credit Report XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX Automated Consumer Interview XXXX XXXX XXXX, XXXX XXXX AUTO MTNC UP XXXX Consumer Interview System XXXX XXXX, XXXX XXXX - XXXX XX/XX/XXXX XXXX - CUSTOMER ACCTS XXXX Consumer Interview System XX/XX/XXXX XXXX  XXXX. Violations of XXXX XXXX Code XXXX Permissible Purposes of Consumer Reports The credit reporting agencies have violated XXXX XXXX Code XXXX ( XXXX ) ( a ) by furnishing my consumer report to third-party debt buyers who do not have a valid contract with me. I have not authorized these parties to access or report on my credit file, yet their erroneous entries, including charge-offs and other derogatory marks, continue to appear on my report. 
XXXX. Violations of XXXX XXXX XXXX XXXX ( a ) ( XXXX ) Responsibilities XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, who have no valid contractual relationship with me, have continued to report charge-off accounts that have been sold to third parties. These furnishers are violating XXXX XXXX XXXX XXXX ( a ) ( XXXX ) by reporting inaccurate and outdated information, which misrepresents the status of the debts. Once an account has been sold, the original creditor no longer has the legal standing to report it as active. 

XXXX XXXX I HAVE NO CONTRACTS WITH Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX, Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXXXXXX Original Amount Owed {$1900.00} Creditor Classification Educational Amount {$1900.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$2300.00} Creditor Classification XXXX XXXX XXXX Care Amount {$2500.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Consumer disputes this account information Medical Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX. Reporting Charge-Offs which is Income Violations of XXXX XXXX Code XXXX Creditors have unlawfully reported charge-off amounts as income, which is explicitly prohibited under XXXX XXXX Code XXXX. This practice is not only misleading but also illegal, as it distorts the accuracy of my financial records. Such actions are further compounded by the failure to update the information to reflect that the debts have been sold, which results in a violation of XXXX XXXX XXXX XXXX. 

CHARGER OFFS REAGING ON CREDIT REPORT AS CURRENT Date of Last Activity Scheduled Payment Amount Months Reviewed XXXX Delinquency First ReportedActivity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount $ XXXX Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Deferred Payment Start Date Charge Off Amount {$15000.00} Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Account previously in dispute now resolved by data furnisher Charged off account Auto Contact XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX. No Valid Contract with Debt Buyers Violations of XXXX XXXX Code XXXX Under XXXX XXXX Code XXXX, consumer reporting agencies and creditors XXXX only report information backed by a valid contract with the consumer. Debt buyers reporting my accounts have no such legal standing, as I never entered into any agreement with these third-party XXXX. Therefore, their continued reporting is a violation of the FCRA and a clear breach of federal law. 
XXXX. Violations of XXXX XXXX Code XXXX ( b ) Ensuring Accuracy in Reporting Credit reporting agencies are required to follow reasonable procedures to ensure the maximum accuracy of the information they report under XXXX XXXX Code XXXX ( b ). However, the continued inclusion of inaccurate charge-off accounts, misreported debts, and outdated information on my credit report demonstrates their failure to comply with this legal obligation. 
XXXX. Adverse Information Reporting Violations of XXXX XXXX Code XXXX ( XXXX ) The reporting of adverse information, including sold charge-offs, violates XXXX XXXX Code XXXX ( XXXX ). Adverse information can not be reported without ensuring it reflects the accurate status of the account. The failure to update my report with correct information constitutes a blatant violation of the FCRA. 
XXXX. Violations of XXXX XXXX Code XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( a ) FDCPA Violations The debt XXXX in question have also violated the Fair Debt Collection. 
XXXX. Sold Charge-Offs Reported by Original Creditors Violations of XXXX XXXX Code XXXX ( a ) ( XXXX ) Creditors are prohibited from reporting debts they no longer own under XXXX XXXX Code XXXX ( a ) ( XXXX ). However, several sold charge-off accounts are still being reported as though they are owned by the original creditor. This misrepresentation misleads credit reporting agencies and potential lenders, violating both the FCRA and my consumer rights. These accounts should be immediately removed, and the creditors should face fines for this violation. 
XXXX. No Valid Contract with Debt Buyers Violations of XXXX XXXX Code XXXX Debt buyers who now own the accounts are also illegally reporting these debts on my credit report, despite there being no valid contract between us. As per XXXX XXXX XXXX XXXX, information can only be reported if there is a valid contract between the consumer and the entity furnishing the information. The debt buyers ' reporting is both unlawful and harmful, and all such entries must be deleted from my credit report. 
XXXX. Inaccuracies in Reporting Adverse Information Violations of XXXX XXXX Code XXXX ( XXXX ) Under XXXX XXXX Code XXXX ( XXXX ), adverse informationsuch as charge-offsmust be reported accurately. However, charge-offs and other negative information on my report do not accurately reflect the current status of the accounts, as they have either been sold or were reported with incorrect details. This failure to update or correct adverse information violates the FCRA, and all such entries must be removed. 
XXXX. Incorrect Personal Information : Names and Addresses Additionally, my credit report contains inaccurate personal information, including incorrect names and addresses. Under XXXX XXXX XXXX XXXX ( b ), credit reporting agencies are required to take reasonable steps to ensure maximum possible accuracy in the consumer reports they furnish. The presence of incorrect names and addresses, which I have never used, is a violation of this provision. These errors not only damage my credit profile but also compromise the accuracy and integrity of my credit report. I request that these incorrect personal details be corrected immediately. 
XXXX. Violations of XXXX XXXX Code XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( a ) FDCPA Violations The debt XXXX involved have also violated the Fair Debt Collection Practices Act ( FDCPA ), including : XXXX XXXX Code XXXX ( XXXX ) : Misrepresentation and unauthorized communication regarding my debts. 
XXXX XXXX XXXX XXXX ( XXXX ) : Harassment through the improper reporting of debts that have already been sold. 
XXXX XXXX XXXX XXXX ( XXXX ) : Misrepresentation of the nature of the debt through inaccurate reporting. 
XXXX XXXX XXXX XXXX ( a ) : Contacting third parties, including credit reporting agencies, without proper authorization or legal basis, leading to illegal reporting on my credit report. 


XXXX XXXX Code XXXX ( a ) : Continued communication and reporting without proper legal authorization.Under XXXX XXXX Code XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), and related laws, the following rules apply to the sale, reporting, and handling of charged-off debts by original creditors : XXXX. Violations by XXXX a. Name and Address Inaccuracies Violation : FCRA, Section XXXX ( b ) - Failure to ensure maximum possible accuracy. 
Details : Variations in name : " XXXX XXXX, '' " XXXX XXXX, '' " XXXX XXXX, '' etc. 
Incorrect addresses include : " XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, LA '' " XXXX XXXX  XXXX XXXX, XXXX, AL '' Impact : Potential identity confusion and hindered credit decisions. 
XXXX Re-aged Accounts and Misreported Status Violation : FCRA, Section XXXX ( a ) ( XXXX ) - Reporting obsolete information. 
FCRA, Section XXXX ( a ) ( XXXX ) - Accurate reporting of delinquency dates. 
Details : Accounts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX re-aged and inaccurately reported as open. 
Impact : Extended reporting of derogatory information and financial harm. 
XXXX XXXX Payments and Missing Payment History Violation : FCRA, Section XXXX ( a ) ( XXXX ) - Furnishing incomplete or inaccurate payment history. 
FTC XXXX, Section XXXX ( a ) - Deceptive practices. 
Details : XXXX : XXXX XXXX  account XXXX proper payment history. 
Impact : Misrepresentation of payment reliability. 
XXXX Unauthorized Third-party Account Handling Violation : FTC XXXX, Section XXXX ( a ) - Deceptive practices. 
XXXX XXXX laws - Unauthorized account transfers. 
Details : XXXX  XXXX XXXX and XXXX  involved in unauthorized credit-to-loan conversions. 
Impact : Breach of consumer rights. 
e. Creditor Harassment Violation : FDCPA, XXXX XXXX - Harassment or abuse. 
FDCPA, XXXX XXXX - Unfair practices. 
FTC XXXX, Section XXXX ( a ) - Deceptive practices. 
Details : Repeated emails and calls from XXXX XXXX XXXX XXXX regarding repossession threats despite active disputes and payment arrangements. 
Example : XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Impact : Emotional distress, confusion, and potential violation of consumer rights. 
XXXX Contractual Violations in Financial Agreements Violation : TILA, Section XXXX - Failure to disclose accurate loan terms. 
FTC XXXX, Section XXXX ( a ) - Deceptive practices. 
Details : Improper finance charges and unclear contractual terms identified in vehicle sale contract. 
Example : Discrepancy in finance charges as per retail installment contract. 
Impact : Misleading financial obligations and potential overpayment. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX FCRA, XXXX XXXX ( a ) ( XXXX ) - Furnishing inaccurate account information. 
XXXX, XXXX XXXX - Billing errors. 
Details : Incorrect reporting of loan balances and payment histories. 
Failure to provide clear instructions on payment application. 
Unexplained adjustments to repayment terms, creating confusion and distress. 
Impact : Financial harm and impaired ability to manage student loan obligations. 

XXXX. Requested Actions and Remedies Cease and Desist : Immediately stop reporting inaccurate information and all collection activities related to disputed accounts. 
Corrective Action : Correct name and address inaccuracies across all bureaus. 
Update account statuses for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
Adjust delinquency dates to reflect original reporting periods. 
Provide complete and accurate payment histories for all accounts. 
Account XXXX and XXXX XXXX : XXXX out accounts affected by violations as a remedy for injury caused by inaccurate reporting. 
Permanently cease negative reporting related to resolved disputes. 
Investigation and Accountability : Investigate unauthorized third-party involvement in account handling. 
Provide written explanations for loan servicing errors and repayment discrepancies. 
Confirmation of Compliance : Issue written confirmations of corrections and compliance within FCRA and FDCPA timelines. 
Provide documentation showing all corrective actions taken. 

XXXX. Supporting Exhibits Exhibit A : Name and Address Inaccuracies Highlighted discrepancies from Experian, XXXX, and XXXX reports. 
Exhibit B : XXXX Accounts Documentation showing altered delinquency dates. 
Exhibit C : Closed Accounts Reported as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX account details. 
Exhibit D : Late Payment History and XXXX XXXX XXXX XXXX  account XXXX inconsistencies. 
Exhibit XXXX : Unauthorized Third-party Account Handling Evidence of unauthorized credit-to-loan conversions by XXXX XXXX XXXX XXXX XXXX 
Exhibit F : Creditor Harassment Documentation Emails and communications from XXXX XXXX XXXX XXXX. 
Exhibit G : Contractual Violations in Vehicle Agreements Retail installment sale contract highlighting improper finance charges and undisclosed terms. 
Exhibit H : Department of Education/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX reporting, unexplained adjustments, and missing payment details. 

XXXX. Invoice for Violations and Fees Summary of Penalties Violation Type Fine per Occurrence Occurrences Total Fine Name and Address Inaccuracies {$1000.00} XXXX {$10000.00} Re-aged Accounts {$1000.00} XXXX {$2000.00} Closed Accounts Reported as Active {$1000.00} XXXX {$2000.00} Late/Missing Payment Histories {$1000.00} XXXX {$3000.00} Unauthorized Third-party Handling {$5000.00} XXXX {$10000.00} Creditor Harassment {$1000.00} XXXX {$5000.00} Contractual Violations {$5000.00} XXXX {$5000.00} Loan Servicing Issues {$5000.00} XXXX {$10000.00} Total Penalties {$47000.00} Sale of Debt and Reporting Obligations : Original creditors are prohibited from furnishing information to a consumer reporting agency if : They know or have reasonable cause to believe the information is inaccurate. 
They fail to update the account status as " sold '' or " transferred '' after selling the debt. 
Charged-off debts must be reported accurately : The account must be marked as " charged-off. '' If sold to a third party, the original creditor must stop reporting the debt as active or due. 
Both the original creditor and the debt buyer can not double-report the same debt. 

Violations in XXXX and XXXX XXXX : Double Reporting : It is unlawful for both the original creditor and the new owner ( debt buyer ) to report the same account on a consumer 's credit file. 
Failure to XXXX as Sold : Original creditors must update the account status to " sold '' or " transferred. '' Continuing to report a sold account as open or due violates the FCRA. 
Illegal Resale of XXXX : XXXX a debt after it has been XXXX ( e.g., in bankruptcy ) or after the statute of limitations has expired is prohibited. 
Re-aging of XXXX : Falsely resetting the delinquency date to make a debt appear newer than it is violates XXXX XXXX XXXX XXXX ( a ) ( XXXX ), which limits negative reporting to 7 years from the date of the first delinquency. 

XXXX Laws : FCRA ( XXXX XXXX XXXX XXXX ) : Ensures accuracy in credit re

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