Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
XXXX XXXXXXXX XXXX Account # XXXX am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX XXXX XXXX  account ( # XXXX ) on my credit reports with Experian and XXXX. This account has inconsistencies and was sold to collections without my consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from all credit reporting agencies and an investigation into these discrepancies and unauthorized actions. 

Issues Identified 1. Inconsistent Reporting : High Credit : Experian : {$0.00} XXXX : {$600.00} Credit Limit : Experian : {$400.00} XXXX : {$0.00} These inconsistencies are problematic and suggest incorrect reporting of the account status. 
2. Unauthorized Sale to Collections : The account was sold to collections without my consent, violating my privacy and legal rights. 
3. Inaccurate Activity Reporting : Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : Not reported XXXX : XX/XX/XXXX The lack of consistent reporting of the date of last payment is a clear discrepancy. 

Violations and Impact The inaccurate and inconsistent reporting of the account information and the unauthorized sale of the account to collections without my consent are serious violations of the FCRA and my privacy rights. These errors and unauthorized actions have caused potential harm to my credit profile, leading to undue stress and financial implications. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
6. Right to Privacy : The unauthorized sale of my account to collections without my consent is a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.

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