Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and this complaint formally addresses severe misconduct and ongoing violations by XXXX XXXX XXXX, doing business as XXXX XXXX ( XXXX ), regarding their handling and unauthorized credit reporting of Loan No. XXXX. 

Despite XXXX explicit written acknowledgment, stating unequivocally that the loan was sold and transferred to an unrelated third party, XXXX continues to report inaccurate and damaging tradeline information to my credit profile. XXXX has provided no valid documentation to substantiate their continued reporting or claim to the debt, despite clear and timely requests for validation. 

Timeline of Critical Events : XX/XX/XXXX : Formal validation request was sent to XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ). XXXX failed to produce documentation such as a wet-ink note, servicing agreement, chain of title, or comprehensive accounting history. 
XX/XX/XXXX : XXXX acknowledged receipt of my dispute but provided no evidence to justify their continued collection efforts or credit reporting. 
XX/XX/XXXX : XXXX formally confirmed, in writing, the sale and transfer of XXXX XXXX. XXXX to an unrelated third party, thereby relinquishing all commercial and legal standing to report or enforce this debt. 

Violations and Legal Breaches : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : XXXX knowingly continues to report inaccurate and unverifiable information despite explicitly relinquishing their claim and ownership.

2. FCRA, 15 U.S.C. 1681s-2 ( b ) : XXXX failed to conduct a legally mandated reasonable investigation into my disputes and failed to cease the improper reporting after notification. 
3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : XXXX failed entirely to validate the alleged debt upon formal request, yet persisted with damaging reporting. 
4. FDCPA, 15 U.S.C. 1692e : XXXX continued reporting falsely represents the legal status and ownership of the debt, misleading credit bureaus and the marketplace. 
5. Generally Accepted Accounting Principles ( GAAP ), ASC 860 : Under established accounting standards, a true sale transaction terminates the sellers rights and responsibilities concerning the asset. XXXX documented admission of a complete sale constitutes definitive evidence of improper and fraudulent reporting. 
XXXX. Unauthorized Use of Name in Commerce : My name, XXXX XXXX XXXX, is utilized in protected commercial and private capacities. XXXX  unauthorized reporting infringes upon my rights and constitutes unlawful use of my identity within commercial activities. 

Requested Remedy : To rectify these substantial and ongoing violations, I formally request the following immediate actions : Immediate and permanent deletion of the tradeline related to XXXX XXXX. XXXX from all credit reporting bureaus. 
Written confirmation that XXXX has ceased all reporting activities and will not attempt future reinsertion of this tradeline. 
Regulatory oversight and intervention to prevent further misconduct by XXXX XXXX XXXX. 

Supporting Documentation Attached : XXXX XX/XX/XXXX, acknowledgment of loan sale. 
Original debt validation request dated XX/XX/XXXX. 
Evidence of continued adverse credit reporting as recent as XX/XX/XXXX. 
Commercial documentation substantiating protected usage of my name. 

XXXX conduct clearly violates federal consumer protection statutes, accounting standards, and fundamental principles of commercial integrity. This improper and unauthorized activity has significantly harmed my credit standing, commercial activities, and personal reputation. 

I respectfully request immediate intervention by the Consumer Financial Protection Bureau to enforce compliance, ensure complete cessation of these unlawful practices, and rectify the documented damages. 

Respectfully submitted, XXXX 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