Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This dispute is regarding information furnished by XXXX XXXX. I am only selecting Experian because the CFPB system does not currently list XXXX directly, but they are the sole company responsible for this issue and they are reporting information onto my credit report that is not accurate. 

In XX/XX/XXXX, I moved out of the residence associated with my XXXX XXXX account and requested a transfer of ownership to the new occupant. I was told by XXXX representatives that the transfer had been completed, and based on that confirmation, I stopped managing or monitoring the account, believing I was no longer responsible for it. 

However, I later discovered that the transfer failed, and XXXX continued billing me without notifying me that I remained financially responsible. XXXX has since admitted in writing that they notified the new account owner that more information was needed to complete the transfer, but they did not notify me the legal account holder that the transfer had failed or that I was still liable. 

This resulted in the account being suspended and sent to collections, again without my knowledge. I only became aware of the issue when I received notice from a XXXX collection agency ( XXXX XXXX ) in XX/XX/XXXX. I immediately paid the {$200.00} balance in full as soon as I learned of it. 

Despite this, XXXX reported the account as XXXX XXXX XXXX XXXX XXXX XXXX which caused significant XXXX to my previously excellent credit. I submitted disputes to ExperianXXXX XXXX XXXX XXXX  providing documentation including : Verizons own written admission that only the new account holder was notified about incomplete transfer information, My timeline of attempted account handoff and immediate payment upon discovery, And records of my direct dispute with XXXX ( Notice of Dispute sent on XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX  updated the tradeline to reflect that the debt was paid, but refused to delete it, even though XXXX has not produced any documentation showing they properly notified me that the transfer failed or that I remained liable. 

I also requested documentation from XXXX regarding the ownership status, call logs, and notification history, but they denied access, calling the information internal XXXX XXXX. 

This is a clear case of unfair and inaccurate credit reporting, especially since the debt accrued due to XXXX failure to notify me that I was still responsible after a failed transfer attempt. I acted in good faith, relied on their verbal confirmation, and paid the debt in full once made aware yet I am still being penalized for it. 

Attached is a description of the situation as well as supporting documents : XXXX ) XXXX  admission that I was not notified of the failure of transfer of ownership and that only the new account owner was XXXX ) the new account owners written confirmation of ownership of the account and all charges accrued since XX/XX/XXXX XXXX ) confirmation of change of address in XXXX of XXXX XXXX ) confirmation of payment of delinquency

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