Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the experian, XXXX and XXXX credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. This creditor is reporting different amounts of debt on all three credit reporting agencies. Lets start with transunion. 
the account number is different that all the rest. it is reporting as {$3200.00} XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating XX/XX/XXXX, XXXXXXXX XXXX  Complaint Detail https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Dispute Resolved Reported By Grantor Account details No History Is Available Collection agency XXXX XXXX but on XXXX it says {$3200.00} XXXX XXXX XXXX  Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX  Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXX, then on Experian it has a totally different name. 
It says {$3200.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department, Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details then says that it went into collection or charge off in XXXX and also reported in XXXX none of the other credit agencies has the months reported. 
this is not correct. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

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