Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Submitted By : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX SSN : XXXX DOB : XX/XX/XXXX Date of Complaint : XX/XX/XXXX ADDRESSING EXPERIAN 'S FALSE THIRD-PARTY CLAIM I am filing this complaint directly and personally. I am not represented by any third party, credit repair company, law firm, or any other entity. Experian has previously attempted to dismiss or delay my disputes by claiming that a " third party '' is involved. This is false. I researched my rights under the Fair Credit Reporting Act myself. I wrote my dispute letters myself. I documented the violations myself. The fact that my complaints are thorough and cite specific statutes does not mean I hired someone to write themit means I took the time to understand my rights as a consumer. 
Experian 's attempt to categorize informed consumers as " third parties '' is a tactic to avoid their legal obligations under 15 U.S.C. 1681i. I am demanding that Experian process this complaint and my disputes without further delay or false accusations. Any continued claim that I am using a third party is defamatory and will be documented for potential litigation. 
COMPANIES INVOLVED 1. EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Role : Consumer Reporting Agency that has failed to properly investigate my disputes and continues reporting inaccurate information XXXX. XXXX XXXX XXXX Account # XXXX Role : Furnishing contradictory and unverifiable information XXXX. XXXX XXXX. 
Account Numbers : XXXX, XXXX, XXXX, XXXX Role : Reporting accounts they no longer own after selling debt to True Accord WHAT THIS COMPLAINT IS ABOUT Experian is reporting information on my credit file that doesn't make sense and can not be verified. I have sent disputes through certified mail with documentation proving these errors. Instead of actually investigating, Experian either ignores my evidence or hides behind a false claim that I'm using a " third party. '' I am not. XXXX XXXX and XXXX are the original sources of this bad information, and they haven't fixed it either. 
I have XXXX accounts being reported incorrectly : XXXX XXXX XXXX account and XXXX XXXX accounts. These accounts show contradictory information, wrong balances, and status codes that don't match reality. The XXXX situation is particularly problematic because they sold these accounts to True Accord but continue reporting them as if they still own the debt. 
XXXX XXXX PROBLEMS Account # XXXX The " Written Off '' and " Past Due '' Contradiction XXXX XXXX is reporting this account as both " written off '' and " past due as of XX/XX/XXXX. '' These two things can not both be true at the same time. If a debt is written off, the creditor has taken a loss and removed it from their books. You can't have a " past due '' date on something that's already been written off. This is basic accounting. Pick one. 
Two Different Balances The report shows a charged-off amount of {$2300.00} and a written-off amount of {$1800.00}. That's a {$440.00} difference. How can the same debt have two different balances? I asked XXXX XXXX to explain this in my XX/XX/XXXX letter. No explanation. No response. Just continued reporting of numbers that don't add up. 
Improper Re-Aging If this account was charged off before XX/XX/XXXX, why does the report say " past due as of XX/XX/XXXX ''? This looks like an attempt to make old debt appear fresh, which is called re-aging and it's illegal under 15 U.S.C. 1681c ( a ). Charged-off accounts are closedthere are no new due dates. 
Missing XXXX If XXXX XXXX XXXX XXXX wrote off '' this debt as they report, where is my IRS Form XXXX? The law requires creditors to issue this form when they cancel {$600.00} or more in debt. I never received one. Either the debt wasn't really written off ( making their credit report inaccurate ) or they failed to follow IRS requirements. Either way, there's a problem. 
AFFIRM PROBLEMS - REPORTING DEBT THEY NO LONGER OWN Accounts : XXXX ( {$270.00} ), XXXX ( {$220.00} ), XXXX ( {$400.00} ), XXXX ( {$140.00} ) Affirm XXXX These Accounts But Still Reports Them This is the core problem with the Affirm accounts : Affirm sold these debts to True Accord, but Affirm is still reporting them on my credit report as if they own the accounts. They don't. Once a debt is sold, the original creditor is supposed to update their reporting to show a XXXX balance and indicate the account was transferred. The new ownerif they choose to reportbecomes the one responsible for credit reporting. XXXX can not sell a debt and continue reporting it. That's not how this works. 
I Have No Contract With True Accord I never signed any agreement with True Accord. I never applied for credit with XXXX XXXX. My original contract was with XXXX. When XXXX sold these accounts, they transferred the debt to a company I have no contractual relationship with. If XXXX XXXX wants to collect, that's a separate matterbut XXXX has no business continuing to report accounts they sold. They are no longer the creditor. They have no balance owed to them. Their continued reporting is inaccurate because they are reporting debt they do not own. 
The Code XXXX Contradiction Proves The Sale All XXXX accounts are reported with Status Code XXXX, which according to the XXXX XXXX standard means " The creditor has taken a loss on the account and is NO LONGER attempting to collect. '' But here 's what Affirm 's own website says when I log in : " Accounts have been charged off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For more information call our collections partner at XXXX XXXX '' Phone : XXXX I have screenshots of this message. This proves XXXX things : XXXX, XXXX XXXX is false because they ARE attempting to collect through XXXX XXXX. Second, XXXX acknowledges XXXX XXXX is now handling these accounts, which means these debts were either sold or assigned to XXXX XXXX. Either way, XXXX should not be reporting these accounts with balances as if they still own them. 
What Affirm 's Reporting Should Show If Affirm sold these accounts to True Accord, their credit reporting should show : a {$0.00} balance, a status code indicating the account was transferred or sold ( such as Code XB ), and possibly a comment noting the account was sold to another company. Instead, they're still showing the original balances and a XXXX XXXX that contradicts their own website. This is inaccurate reporting of debt they no longer own. 
Potential Double Reporting If True Accord is also reporting these accounts ( which I need to verify ), then I'm being hit with double negative reporting for the same debtonce from Affirm who sold it, and once from True Accord who bought it. This would further damage my credit unfairly and is a violation of FCRA accuracy requirements. 
Wrong Balances On top of all this, the balances XXXX is reporting aren't even accurate. The Metro 2 reporting standard requires balances to be " accurate to the XXXX. '' These aren't. But frankly, the balances should all be {$0.00} anyway because XXXX doesn't own these accounts anymore. 
EXPERIAN 'S FAILURES Rubber-Stamp Investigations My credit report shows " Account information disputed by consumer '' on all XXXX Affirm accounts. This proves I've disputed these before. Yet nothing changed. Experian 's " investigation '' clearly didn't catch any of the obvious problems I just describedthe fact that XXXX sold these accounts, the contradictory XXXX XXXX, the wrong balances, the missing XXXX XXXX disclosure. A reasonable investigation would have found these issues. Experian didn't. 
Continued XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), if information can not be verified, it must be deleted. How can XXXX verify accounts they sold? They're not the creditor anymore. How can XXXX XXXX verify an account that shows XXXX different balances and contradictory statuses? This information can not be verified because it's either self-contradictory or being reported by the wrong company. The law says delete it. 
Ignoring Consumer Evidence I provided Experian with detailed explanations and screenshot evidence from Affirm 's website showing the True Accord relationship. Under XXXX XXXX. XXXX ( a ) ( XXXX ), they're supposed to forward all relevant information to the furnisher and conduct a proper investigation. Instead, they apparently just asked XXXX " is this accurate? '' and accepted whatever answer came back. That's not a reasonable investigation. That's a formality designed to make consumers give up. 
WHAT I'VE ALREADY DONE XX/XX/XXXX : Sent XXXX XXXX a detailed demand letter via certified mail asking them to explain the contradictions in their reporting. No adequate response. 
XX/XX/XXXX : Sent comprehensive dispute letters to Experian ( and other bureaus ) regarding all XXXX Affirm accounts, including screenshots from Affirm 's website proving they sold the accounts to True Accord and Code XXXX is false. 
I've tried to resolve this directly. XXXX XXXX won't explain their contradictory reporting. XXXX is reporting debt they sold and don't own anymore. Experian either conducts superficial investigations or claims I'm using a " third party '' ( I'm not ). That's why I'm filing this complaint. 
HOW THIS HAS HURT ME These inaccurate reports are damaging my XXXX XXXX, which affects everythingloan rates, credit applications, even potential employment. I'm being penalized for debt that XXXX doesn't even own anymore. I've spent countless hours researching my rights, documenting violations, and writing dispute letters. The stress of knowing false information is on my credit report, information I've proven is wrong, and not being able to get it fixed is exhausting. 
WHAT I'M ASKING FOR XXXX. Delete the XXXX XXXX tradeline. The contradictory statuses and unexplained balance discrepancy make it unverifiable. 
XXXX. Delete all XXXX XXXX tradelines. XXXX sold these accounts to XXXX XXXX and no longer owns them. They have no legal basis to report debt they don't own. The balances should be {$0.00} and the accounts should reflect they were transferrednot show active balances with a contradictory XXXX XXXX. 
XXXX. Stop the " third party '' accusations. Process my disputes as the legitimate consumer complaints they are. 
XXXX. Provide method of verification. If Experian claims they verified this information, I want to know exactly how they verified accounts that Affirm no longer owns and XXXX XXXX reports with obvious contradictions. 
QUESTIONS THE CFPB SHOULD ASK For XXXX XXXX : - What is the actual balance? {$2300.00} or {$1800.00}? 
- How can an account be both " written off '' and " past due ''?

- Where is the 1099-C if the debt was written off? 
For Affirm : - Did you sell or transfer these accounts to XXXX XXXX? 
- If yes, why are you still reporting them with balances instead of {$0.00} and a transferred status? 
- If you no longer own these debts, what legal basis do you have to report them? 
- Why does XXXX XXXX say you're " no longer attempting to collect '' when your website directs consumers to call XXXX XXXX for collections? 
- Provide documentation proving you still own these accounts and have the right to report them. 
For Experian : - How did your investigation verify that XXXX still owns accounts they apparently sold? 
- Did you review the consumer 's evidence, including website screenshots showing the True Accord relationship?

- On what basis are you claiming third-party involvement in my disputes?

APPLICABLE LAWS 15 U.S.C. 1681i ( a ) ( 1 ) Duty to conduct reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to delete unverifiable information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibition on furnishing inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 3 ) Duty to notify credit bureaus when accounts are sold or transferred 15 U.S.C. 1681e ( b ) Duty to maintain reasonable accuracy procedures 15 U.S.C. 1681c ( a ) Prohibition on re-aging CONCLUSION I am an informed consumer who understands my rights. I have documented evidence proving these accounts contain inaccurate information. XXXX is reporting debt they sold and no longer own. XXXX XXXX is reporting contradictory information that doesn't add up. I have followed the proper dispute process. I am not using a third partyI am exercising my rights under federal law. I am asking the CFPB to ensure that Experian, XXXX XXXX, and Affirm comply with the Fair Credit Reporting Act and either verify this information with supporting documentation or delete it from my credit file.

Company response to consumer: Closed with explanation