Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
I am submitting this formal complaint regarding an issue of duplicate reporting of the same debts by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit reports, which I believe constitutes a violation of federal credit reporting laws. All credit bureaus refused to remove or review my credit report. There isn't an actual person reviewing the reports and investigating because they would see on all of my credit reports, that both companies are claiming ownership of these collections on my report and continuing reporting on the debt. 

Description of the Issue : Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are currently reporting the same accounts to all three major credit bureaus. These debts include the following account balances : {$570.00} {$2000.00} {$5100.00} Each of these accounts is being reported by both parties simultaneously, each claiming ownership of the debt. This constitutes double reporting and is misleading, inaccurate, and detrimental to my credit profile. A single debt should not be reported twice under different names if there is only XXXX true owner. 

Actions Taken : I have contacted both organizations ( XXXX and XXXX XXXX XXXX ) seeking clarification and validation of the debt, including requests for : The Forward Flow Agreement The Chain of Assignment Both parties refused to provide documentation to substantiate ownership of the debt. 
I initiated legal action against XXXX XXXX XXXX in court. I served them with notice and submitted a formal complaint ; however, they failed to appear in court. 
Legal Violations : This situation constitutes potential violations of the following federal laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information must not report inaccurate information. Reporting the same account by multiple furnishers without clarification is misleading.

FCRA 15 U.S.C. 1681s-2 ( b ) : Upon notice of dispute, furnishers must investigate and correct inaccurate information. No corrective action has been taken.

FDCPA 15 U.S.C. 1692e ( 8 ) : Debt collectors must not report information known or which should be known to be false, including the amount or legal status of a debt.

FDCPA 15 U.S.C. 1692g ( b ) : Upon request for validation, a debt collector must cease collection efforts and provide verification. XXXX XXXX has failed to provide validation upon request. 
Requested Resolution : I respectfully request the removal of the duplicated debt entries from all credit reports by either XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, based on the following : Only XXXX entity can be the lawful owner of the debt and therefore only one should be reporting. 
Failure to provide validation or supporting documentation such as the Chain of Assignment or Forward Flow Agreement should disqualify XXXX ( or XXXX ) from continuing to report the debt. 
I ask the CFPB to investigate this matter and take appropriate enforcement action to ensure compliance with the FCRA and FDCPA. 

Thank you for your attention to this matter.

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