Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute Regarding Debt Sale and Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the actions taken by XXXX XXXX XXXX XXXX XXXXXXXX concerning my account and their subsequent sale of my debt to XXXX XXXX XXXX XXXX XXXX, a third-party collections agency. I believe that this transaction was conducted illegally and without my consent, and I am seeking your assistance in resolving this matter. 

To provide context, I had an account with XXXX  XXXXXXXX XXXX XXXX  XXXX that I was managing in good faith. However, I was surprised to discover that my debt was sold to XXXX XXXX XXXX XXXX XXXX without any prior notification or consent from me. This action raises serious concerns regarding the legality of their practices, particularly in light of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which outlines the responsibilities of furnishers of information to consumer reporting agencies.

Key points of my dispute include : XXXX. **Unauthorized Sale of DebtXXXX : I did not receive any communication from The XXXX  XXXX XXXX XXXX regarding the transfer of my debt to XXXX XXXX XXXX XXXX XXXX XXXX This lack of notification violates my rights as a consumer, as I was not given the opportunity to address the account before it was sold. 

XXXX XXXXInaccurate Reporting and Additional ChargesXXXX XXXX Following the transfer of my debt, I noticed that XXXX XXXX XXXX XXXX XXXX reported additional charges that were not part of my original balance with XXXX XXXX XXXX XXXX XXXXXXXX XXXX These extra charges appear to be unjustified and have further complicated my financial situation. The additional fees not only misrepresent the original debt but also negatively impact my credit score. 

XXXX XXXXFailure to InvestigateXXXX : Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to investigate disputes regarding the accuracy of the information they report. I have reached out to both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding these discrepancies, but I have not received a satisfactory response or resolution. 

Given these circumstances, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for their illegal practices and failure to comply with the requirements of the Fair Credit Reporting Act. 

I have enclosed copies of relevant documentation, including : - My original account statements from XXXX XXXX XXXX XXXX XXXX XXXX Correspondence with XXXX XXXX XXXX XXXX XXXX XXXX 
- Any notices I received regarding the debt sale or additional charges I appreciate your attention to this serious matter and your efforts to protect consumers from unfair and illegal practices. I look forward to your prompt response and guidance on the next steps in resolving this issue. 

Thank you for your assistance. 

Sincerely, 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