Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
FORMAL DISPUTE LETTER XXXX XXXX, FCRA & XXXX VIOLATIONS XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FHA Mortgage XXXX XXXX, FCRA & XXXX Noncompliance Dear Experian, I am writing to formally dispute inaccurate and misleading information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Credit Reporting Guidelines, and e-OSCAR dispute handling procedures. 

The account in question is : Creditor : XXXXXXXX XXXX Account Number : XXXX Account Type : FHA Mortgage Date Opened : XX/XX/XXXX Status : Transferred, Closed ( XX/XX/XXXX ) Reported Delinquency : 30 days late ( XX/XX/XXXX ) VIOLATIONS IDENTIFIED : FCRA Violations XXXX XXXX. XXXX ( a ) & ( b ) XXXX XXXX XXXX as a data furnisher, is legally required to report accurate and complete information. The continued reporting of a delinquency after a transfer or sale of the account may be inaccurate, misleading, or unverifiable, especially if the servicer no longer owned or serviced the loan at that time. 

A furnisher may not report information that it knows or has reasonable cause to believe is inaccurate. FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX Guideline Violations According to XXXX XXXX standards, once an account is transferred/sold, the data furnisher must : Report the account as Transferred/Sold Cease reporting of new delinquencies Report the balance as {$0.00} Update the Account Status Code to reflect closure due to transfer, not ongoing derogatory status The account history for XX/XX/XXXX reports a XXXX delinquency, yet the account was closed shortly thereafter. If the loan servicing rights were already transferred before or during this time, continued reporting of derogatory marks is noncompliant with XXXX XXXX. 



XXXX Violations If this dispute has been processed before through XXXX and resulted in a verified outcome without actual reinvestigation, that would constitute willful noncompliance under FCRA XXXX ( a ) ( XXXX ) ( A ). Credit bureaus are required to reasonably investigate disputes and obtain verifiable data from furnishersnot simply parrot back previously reported data. 

REQUESTED ACTIONS I formally request that : You perform a full reinvestigation under FCRA XXXX. 

You contact the data furnisher ( XXXX XXXX XXXX and confirm : The exact transfer/sale date The accuracy and legality of the XX/XX/XXXX late payment If unverifiable or inaccurate, you delete the XX/XX/XXXX XXXX late mark and update the account as Transferred/Closed Paid/Zero Balance. 

Please respond in writing with the results of your investigation within XXXX days, as required by law. If this matter is not properly resolved, I am prepared to escalate the issue by filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My state Attorney General The original creditor, XXXX XXXX. 

Thank you XXXX XXXX

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