Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts listed below do not and have not belonged to me and I request their immediate Deletion from my credit report since they are severely affecting my credit rating. Thank You for your prompt actions into this time sensitive matter. 

XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX -- High Balance : {$6000.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$5200.00} {$5200.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Joint Joint -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Finance/Personal All Banks -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$5200.00} {$5200.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$5000.00} {$5000.00} -- XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX -- High Balance : {$9500.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$9500.00} {$9500.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Retail, Not Elsewhere Classified -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$4100.00} {$4100.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$10000.00} {$10000.00} -- SYNCB/ASHHOM XXXX Experian XXXX Account XXXX : XXXX XXXX -- High Balance : {$2600.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$2400.00} {$2400.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Finance/Personal Sales Financing -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Profit and loss write-off Credit line closed - consumer request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$2400.00} {$2400.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$2800.00} {$2800.00} -- XXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$1400.00} {$1400.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1400.00} {$1400.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
-- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$1400.00} {$1400.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1400.00} {$1400.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
-- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$1400.00} {$1400.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1400.00} {$1400.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
-- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- --

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