I recently took extensive efforts to clean up my credit report in the intent of needing to apply for a loan to build a home. I used my free annual credit check. I recently received free credit monitoring provide by the XXXX as my name was involved in the XXXX XXXX. I had a XXXX Credit Card issued by Citibank, Acct XXXX. My credit was sold and transferred to XXXX, XXXX XXXX XXXX XXXX, several months ago. Both XXXX and XXXX both showed I had XXXX accounts open Citibank and XXXX. The transferred account was never closed or transfered. Although not of significant impact to my FICO, it was counter productive to all the work I just did to get my report correct. I did not participate in the negotiations involved in change banks to support my borrowing/credit needs however the consumer should not be impacted negatively when XXXX banks get together and your information/business is sold. The CFPB should actively monitor who should have done what to whom in this case so consumers are not negatively impacted by financial transactions when their information is sold and when the consumer is not personally involved in the transfer. Who is accountable to make sure all three reporting agencies are aware the credit was transferred??? It is too scary that this activity can occur without repercussions or analysis on the frequency of occurrence. All XXXX would say is that you have to fix this. They are " XXXX party '' in this transaction. Actually I am XXXX party in the deal to buy my credit! Why are financial institutions not accountable for not reporting the transaction??? This same thing just occurred when my mortgage was sold. This latency issue has significantly affected my credit score. It has been three months since the transfer of my mortgage and XXXX still shows I have XXXX mortgages on my home, XXXX with XXXX and another on with XXXX. Who should be accountable??? 
