Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Subject : Complaint Against Experian, XXXX, and XXXX for Inaccurate Reporting of XXXX XXXX, Ownership Dispute, and Violation of FCRA Complaint : I am filing a formal complaint against Experian, XXXX, and XXXX for continued inaccurate reporting and failure to correct the disputed XXXX XXXX debt on my credit reports. These credit reporting agencies are erroneously showing the account as open with a balance of {$860.00}, which is factually incorrect. 

XXXX has confirmed in writing that they sold the debt to XXXX XXXX, a third-party debt collector, and no longer own the debt. However, despite this, the credit bureaus are reporting this debt as open under XXXX name, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reports must reflect accurate information, and it is unlawful for the credit bureaus to continue reporting the debt as active when the creditor has sold it to a third party. 

Further, the amount reported XXXX XXXXXXXXdoes not align with the information provided by XXXX XXXX or XXXX. I have received conflicting amounts from different debt collectors, ranging from {$900.00} to {$1000.00}, and none of the amounts match the original balance I dispute. This inconsistency in reporting raises concerns about the accuracy of this debt and whether it is being reported fairly, as required by law.

Despite my repeated disputes and requests for investigation, the credit bureaus have failed to take corrective action. They have simply verified the same incorrect information without providing adequate documentation or proof that XXXX still owns the debt or has properly transferred it to XXXX XXXX. 

Requested Actions : 1. Remove the inaccurate open status of the XXXX account on my credit report. This account should be marked as closed and the balance should be updated to reflect that XXXX no longer owns the debt. 
2. Correct the balance to reflect the accurate, transferred amount or XXXX balance, depending on what is determined through the investigation. The current reporting of {$860.00} is incorrect and conflicts with the amounts reported by XXXX XXXX and XXXX. 
3. Provide documentation or evidence of debt ownership by XXXX XXXX. If the debt has been sold, the credit bureaus must update my reports to reflect that XXXX XXXX owns the debt and XXXX no longer holds any claim to it. 
4. Remove any derogatory marks or negative reporting associated with this debt from my credit reports if it is found that the information is inaccurate or can not be verified.

5. Cease and desist from reporting this debt unless proper verification, ownership documentation, and corrected balance are provided.

By continuing to verify this inaccurate information without providing sufficient evidence of ownership or correct balances, Experian, XXXX, and XXXX are in violation of my rights under the FCRA. The continued reporting of erroneous information is causing undue harm to my credit score and financial standing.

I demand immediate action on this matter and a written response from all involved parties outlining how this issue will be resolved in compliance with the Fair Credit Reporting Act and Texas state law.

Thank you for your prompt attention to this matter.

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