Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this formal complaint regarding the handling of an alleged rental debt related to a past eviction in the state of North Carolina. Despite my repeated and good-faith efforts over the past twelve ( XXXX ) consecutive months to obtain information and resolve this matter, I have encountered systemic negligence and a complete lack of transparency from both the apartment complex where I previously resided and their property management company. 



In XX/XX/year>, I received a notice of eviction and, in compliance with that notice, vacated the premises before the stated deadline. At the time of my departure, I was prepared to settle any valid outstanding balances. However, without any notice, consent, or documentation provided to me, the alleged debt was sold or transferred to a third-party collection agency. 



Since then, I have contacted the apartment complex and its management team on multiple occasions over the past year requesting the name and contact information of the collection agency holding the debt so I may resolve it. To date, I have not received any verifiable information from any party. This lack of response and failure to provide access to a legitimate debt holder has created an unjust and ongoing financial hardship for me and my minor child. 



Under the Fair Debt Collection Practices Act ( XX/XX/XXXX) and the Fair Credit Reporting Act ( XXXX ), I have a legal right to dispute inaccurate or unverifiable debt. I have made every reasonable effort to resolve this matter, and the ongoing failure of the original creditor to validate or identify the current holder of the debt is a direct violation of my rights under federal law. I am now formally disputing this debt, as it is unverified and has impeded my ability to secure stable housing. 



Furthermore, I believe the apartment complex and its property management team may be in violation of the North Carolina XXXX Rental Agreements Act, as they have failed to maintain accurate records and have not communicated in good faith. Their negligence has prevented me from moving forward financially and personally. 



I am a single mother working hard to correct past mistakes, and I am being unfairly and unlawfully burdened by a system that has refused to cooperate or provide the transparency required by law. I am requesting that the CFPB investigate this matter and assist in either : Forcing the original creditor and/or property management company to disclose the full details of the third-party debt purchaser, or Releasing or removing the unverified debt and related eviction from all consumer reporting agencies due to failure to validate and communicate. 




This situation has caused undue stress, anxiety, and harm to my ability to secure housing for myself and my child. I respectfully request the CFPBs intervention to ensure accountability and enforcement of my consumer rights.

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