Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
Verification of Debt Ownership : While you state that no transfer of ownership occurred, the burden remains to provide a complete and accurate validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I request the following : A full account history detailing how the balance was calculated. 
Copies of any payments made or charges assessed on this account. 
Proof that XXXX XXXX XXXX remains the lawful owner of this debt. 
Resolution of CFPB Complaint : You mentioned that a prior CFPB complaint was resolved, and I was provided with the " entire file '' at that time. However, I believe the information provided was insufficient to substantiate the debt. If additional documentation exists that supports your clients claim, I request it be sent to me immediately. 

Filing with the Court : You referenced filing the original contract with the court as part of the suit. I request a certified copy of this contract for my records. Furthermore, I want to ensure that the contract includes all pertinent terms and conditions, including those relevant to ownership and assignment, if applicable. 

Violation of Reporting Standards : XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by continually reporting late payments on a charged-off account. Reporting late payments on an account that has been charged off is misleading and inaccurate, as such accounts are considered written off as uncollectible and no longer accrue new late payment activity. This practice undermines the integrity of the credit reporting system and violates federal law. 

False Statement About Reporting to Experian : XXXX XXXX also falsely claimed that this account is no longer being reported to Experian. However, the account remains on my Experian credit report. This misrepresentation further violates the FCRA. I demand that XXXX XXXX correct this issue immediately and provide written confirmation of the correction. 

My Position : At this time, I continue to dispute the validity of this debt. As a consumer, I have a right to clarity and full documentation regarding any claims made against me. The failure to provide sufficient evidence or documentation not only raises questions about the legitimacy of this case but also could potentially constitute violations under federal or state laws governing debt collection and credit reporting practices. 

Predatory Lending Practices : Additionally, I am aware that XXXX XXXX XXXX has been sued for predatory lending practices. These types of practices disproportionately harm consumers and violate ethical standards and consumer protection laws. Based on these precedents, I intend to seek compensation for the harm caused by XXXX XXXX 's predatory practices, including any financial damages I have suffered as a result of their actions. 

Next Steps : Please respond to this letter with the requested documentation within 30 days. If this documentation is not received, I may escalate this matter further with the CFPB and other appropriate regulatory bodies. Additionally, I reserve the right to seek legal counsel to protect my rights and interests.

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