Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to XXXX XXXX XXXX  regarding a debt they said I owed and made a full payment of the debt in return they would report the debt as paid off on my credit report. After receiving a full payment of the debt they reported the debt as a paid charge off account. I am in the process of refinancing my mortgage and this account status being reported is preventing me from being approved for the loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 


Account name XXXX XXXX XXXX XXXX XXXXXXXX Account type Charge Card I reached out to XXXX and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid charge off account and the derogatory remarks and account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXXXXXX Account type Credit card I reached out to XXXX XXXX XXXX as well and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid charge off account and the derogatory remarks and account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account type Credit card Responsibility I reached out to XXXX and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid settlement instead of paid in full and the account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account type Credit card A company by the name of XXXX XXXX XXXX in which I had ever heard of before has been contacting me regarding a debt I believe that I don't owe. 
I did not give this company my personal information and at this time I am trying to get approval for a refinance so I made a payment of {$1200.00} in return they agreed to remove the account from my credit report but instead they reported it as a paid collection. 
I have never heard of this company before the company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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