Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I sent the Chief Financial Officer of XXXX XXXX XXXX a Debt Validation Request to be clear on who " owned ' my alleged mortgage loan. In a letter dated XX/XX/year> ( which I received on XX/XX/year> ) the " Mortgage Resolution Unit ( for XXXX XXXX XXXX ) replied to my debt validation letter, stating that " XXXX XXXX XXXX XXXX XXXX is the owner or assignee '' of the alleged mortgage loan, also giving me the Pool Number for the mortgage " loan '', The next day, I sent out a letter for XXXX XXXX XXXX to stop contacting me ( and have XXXX ONLY to contact me, regarding this alleged debt, as I haven't contracted with either, BUT XXXX bought my mortgage note so I'm also getting validation from them ) XXXX XXXX XXXX is reporting on my credit report and they are a third-party whom I have no business with. XXXX XXXX XXXX XXXX XXXX is using XXXX XXXX XXXX as a subservicer, due to XXXX not being licensed to service mortgages in the State of New York and I have given no consent for them to use my name, likeness, or credit data. 

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like Experian to ensure that the information they report is accurate, complete and up-to-date.

Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. 

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty.

Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. 

This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ).

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