Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : Request for Investigation and Permanent Removal of Inaccurate Credit Reporting Date : XX/XX/XXXX RE : XXXX XXXX ( and/or Its Assignee ) Under 15 U.S.C. 1692c Dear Consumer Financial Protection Bureau : I am writing to request your assistance in investigating and resolving an ongoing issue with inaccurate and harmful reporting on my credit file related to an account with alleged creditor " XXXX XXXXXXXX '' ( alleged " Account Number '' XXXX ), which shows to have been sold or assigned to another lender. This appears noted in my Experian credit report dated XX/XX/XXXX - thirty-one ( 31 ) days after receipt of the dispute, as documented by USPS. See proof of delivery attached.

This is in excess of the thirty ( 30 ) day limit allowed by law. I am writing to invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c and 15 U.S.C. 1692g, to challenge the validity of this debt and seek its permanent removal from my credit report due to improper collection practices and violations of federal law. 

Background On XX/XX/XXXX, a line of credit allegedly got opened via XXXX and according to my most recent credit report from Experian, this account was charged off with a balance of {$3800.00}. I did not recognize this and upon dispute received no proof of establishment of the debt, nor the forward-flow agreement enabling some third party to appear on my Experian report. 

After a dispute into this account, the status was updated to " Closed. {$3800.00} written off '' as of XX/XX/XXXX. Per the above, the report clearly indicates that the account was " purchased by another lender '' and includes a comment stating, " Completed investigation of FCRA dispute consumer disagrees. '' This is a violation.

I believe this reporting is inaccurate, unfair, and in violation of federal consumer protection laws, including the FDCPA. Specifically, under 15 U.S.C. 1692c and 15 U.S.C. 1692g, debt collectors are prohibited from communicating with consumers in connection with the collection of a debt under certain circumstances, including if the consumer has notified the debt collector in writing that they refuse to pay the debt or wish the debt collector to cease further communication.

For the avoidance of doubt, I assert the following : 1. Violation of 15 U.S.C. 1692c and 15 U.S.C. 1692g a. Lack of Valid Communication or Validation.

I have not received proper validation of this debt from XXXX XXXX or the new lender, as required under 15 U.S.C. 1692g and 15 U.S.C. 1692g. If either entity attempted to collect on this debt without providing clear, itemized validation or after I requested they cease communication, their actions violate FDCPA protections.

b. Improper Reporting After Dispute.

The sale or assignment of this debt to another lender, as noted in my credit report, suggests potential collection activities that may have occurred without my consent or in violation of my rights under 15 U.S.C. 1692c and 15 U.S.C. 1692g. I previously notified parties to this alleged account in writing to cease communication. Their continued reporting and collection efforts are therefore unlawful.

I respectfully request that the CFPB : 1.
Investigate XXXX XXXX and/or the unnamed new lender for potential violations of 15 U.S.C. 1692c, including improper communication, failure to validate the debt, and continued reporting after I disputed the debt or requested cessation of collection activities. 2.
Direct XXXX XXXX and/or the new lender to permanently remove this account from my credit report with all three major credit bureaus ( Experian, XXXX, and XXXX ) due to their failure to comply with federal law.

3. Issue a finding that the reporting of this account is inaccurate, unfair, or deceptive, and require corrective action to restore my credit standing.

I have attached the following documents to support my claim : 1. A copy of my Experian credit report dated XX/XX/XXXX, highlighting the XXXX XXXX account. 

2. Prior correspondence ( two letters ) with XXXX XXXX where I directly disputed the debt and requested validation.

The continued presence of this account on my credit report has severely damaged my credit score, limiting my ability to secure favorable interest rates on loans, obtain housing, and pursue other financial opportunities. I am deeply concerned about the ongoing harm caused by this inaccurate reporting and rely on the CFPBs expertise to protect my consumer rights.

Next Steps : 1. Please acknowledge receipt of this complaint within 15 days, as required under CFPB guidelines, and provide me with a case number for tracking.

2. I respectfully ask that ALL credit agencies be ordered to delete the XXXX XXXX account from my record since that alleged debt has been sold and is no longer XXXX XXXXXXXX XXXX to report.

I am available to provide additional information or documentation as needed.

Thank you for your attention to this matter. I trust the CFPB will take swift action to investigate and resolve this issue, ensuring my rights under federal law are upheld.

Sincerely, 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