Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
Dear Experian, I am formally disputing an inaccurate and unlawful reporting on my credit report regarding an account listed under XXXX XXXX XXXX XXXX XXXX, which claims to have purchased my previous account from XXXX XXXX XXXX XXXX. The reporting of this account violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Information : Account Name : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Status : Charge-Off / Transferred / Sold Issue : Incorrect reporting as Late Payment Date of First Delinquency : XX/XX/year> Charge-Off Amount : {$10000.00} Basis of Dispute Violations of Federal Law : XXXX. A Collection Account Can not Be Reported as Late ( FCRA Violation 15 U.S.C. 1681s-2 ) The FCRA explicitly prohibits reporting a collection account as late because I have no ongoing payment agreement with XXXX XXXX XXXX XXXX 
15 U.S.C. 1681s-2 states that data furnishers must report accurate information. Since XXXX XXXX XXXX did not extend credit to me, they can not legally report a late status. 
I demand immediate removal of any late payment indicators, as they violate the FCRA. 
XXXX. Failure to Provide Proof of Legal Ownership ( FDCPA Violation 15 U.S.C. 1692g ) Under 15 U.S.C. 1692g, a debt collector must provide validation of the debt, including a contract of assignment proving legal ownership and the right to collect and report the debt. 
The letter from XXXX XXXX XXXX ( attached ) only states that the account was transferred, but it does not include proof of legal ownership or XXXX XXXX XXXX right to report this debt. 
If XXXX XXXX XXXX can not provide this documentation, you must delete this account from my credit file immediately. 
XXXX. Unauthorized Third-Party Communication ( FDCPA Violation 15 U.S.C. 1692c ( b ) ) 15 U.S.C. 1692c ( b ) states that a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
If XXXX XXXX XXXX has reported this account to Experian without proper legal authority or proof of assignment, this is a direct violation of federal law. 
I demand proof that XXXX XXXX XXXX has the right to communicate this debt to third parties. If no proof is provided, Experian must delete this account from my credit file. 
XXXX. Failure to Conduct a Reasonable Investigation ( FCRA Violation 15 U.S.C. 1681i ) I previously disputed this account, and Experians investigation resulted in no changes despite no proof of proper debt validation.

15 U.S.C. 1681i states that credit reporting agencies must conduct an actual review, not simply rely on the data furnishers word. If XXXX XXXX XXXX has not provided proper documentation, this account must be deleted. 

Requested Resolution : Immediately remove this account from my credit report due to failure to verify legal ownership. 
Remove any late payment notations as they violate the FCRA. 
Provide documentation proving XXXX XXXX XXXX right to collect this debtif none exists, this account must be deleted. 
Cease any unauthorized third-party communications, as required under 15 U.S.C. 1692c ( b ).

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