Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. Original Creditor : XXXX XXXX Apartments CFPB Case Number ( Prior ) : XXXX XXXX Data Internal Reference : XXXX NATURE OF COMPLAINT XXXX XXXX XXXX is reporting and attempting to collect an inaccurate, unvalidated, and legally unenforceable accelerated rent balance in violation of the Fair Debt Collection Practices Act ( FDCPA ). FACTS OF THE DISPUTE My lease explicitly states that I am only responsible for rent until the date the unit is re-rented. The property re-rented the unit before my lease term ended, which legally eliminates the majority of the accelerated rent XXXX XXXX is attempting to collect. Despite repeated disputes, XXXX XXXX has not provided any of the following : A full and itemized statement A copy of the original lease A complete tenant ledger Proof of when the unit was re-listed Proof of the new tenants move-in date Documentation showing legal right to collect A corrected balance reflecting mitigation of damages XXXX XXXX WRITTEN ADMISSIONS ( XX/XX/year> ) In response to my prior CFPB complaint, XXXX XXXX admitted in writing that : The account was assigned in XX/XX/year> The balance includes accelerated rent They do not yet know whether the unit was re-rented They are waiting on the landlord for confirmation The balance will be revised if re-rental is confirmed The account is marked as disputed Validation has not yet been provided The full accelerated balance remains listed as due These admissions confirm the balance is not verified, not finalized, and not legally confirmed as accurate. FEDERAL VIOLATIONS FDCPA XXXX ( XXXX ) Attempting to Collect an Amount Not Permitted by Law XXXX XXXX is attempting to collect accelerated rent that is extinguished by re-rental under my lease and state mitigation law. FDCPA XXXX ( b ) Continued XXXX Without XXXX XXXX XXXX continues to treat the balance as due while admitting validation has not been provided. FDCPA XXXX False Representation of the XXXX XXXX XXXX XXXX is representing the full balance as valid while admitting it XXXX be legally reduced. FORMAL DEMAND FOR RELIEF I formally request that the CFPB require XXXX XXXX XXXX to : XXXX. Immediately cease all collection activity XXXX. Provide full legal validation, including re-rental documentation XXXX. Correct the balance to reflect only lawful amounts, or XXXX. Delete and remove the account entirely if validation can not be produced XXXX. Cease all credit reporting of this account until full validation is completed CLOSING STATEMENT XXXX XXXX is attempting to collect and report a debt amount that it admits is unverified and subject to mandatory lease-based mitigation. Continuing collection under these circumstances constitutes clear violation of federal law and requires immediate regulatory intervention.

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