Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Account owner XXXX XXXX XXXX XXXX, XXXX XXXX gets added under his damily plan, i pay off the phone XXXX rented to me ( was someone elses before i buy it ) i put phone plan under him in my name. I pay to transfer phone to charter Never miss a payment, transfer phone ( XXXX does not let you transfer phone unles phone is paid off first inclination nothing owed ) 4 months later XXXX tell me i owe money but they sold debt off to collection so i am like who do i pay? 

Debt collecter companies XXXX contact me i PAY XXXX company today XXXX XXXX on my credit that i still owe bill to them but bill is sold to another collection company Basically XXXX reporting miss payments and destroying my credit for a bill they sold off to multiple companies and i pay jt thru XXXX company but collection companies keep contzcting me and I want XXXX to remove this from my credir entirely since bill was sold off and paid before they put it on my credit as not paid! 
Collection agencies there is multiple but i only respond and paid XXXX of these XXXX : XXXX pay XXXX XXXX XXXX XXXX with same form Diversified adjustment services debt collection -contacted with same form DISPUTED WITH ALL XXXX CREDIT BUREAUS AS WELL I send them and all collection companies changed to their own information this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RE : Dispute of Debt Reporting and Violation of 15 U.S.C. 1692c and Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute a debt account that is being reported to the credit bureaus under my name by XXXX XXXX. I recently became aware that XXXX sold this alleged debt to a third-party debt collector, yet the account continues to be reported by XXXX as XXXX charge-off or delinquent account on my credit reports. 

This practice is misleading and potentially a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) as well as the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c, which regulates communication regarding alleged debts. If XXXX has sold this debt and no longer owns it, it should not continue to report or imply ownership or an ongoing collection relationship with the account. 

Under the FCRA, you are required to provide accurate and current information to credit reporting agencies. Continuing to report a debt that you no longer own misrepresents the status and ownership of the account, which may cause unjust damage to my credit profile. 

I am requesting that XXXX immediately : Cease all reporting of the sold account to the credit reporting agencies ; Provide written confirmation that the debt has been sold and that XXXX no longer has any claim or collection authority over the account ; Notify all credit reporting agencies to which the account has been reported to delete or update the information to reflect the correct ownership status. 

Under federal law, I request this matter be resolved within 30 days of receipt of this letter. Failure to do so may result in complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and other appropriate regulatory authorities. 

Sincerely, XXXX XXXX XXXX XXXX of your credit report showing the XXXX XXXX XXXX any notice of debt sale ( is attached to this form along with my signature )

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