Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Account number XXXX XXXX XXXX XXXX Credit Bureau Names XXXX Experian opened XX/XX/XXXXXXXX  To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account XXXX is listed as closed charged off DUE BALANCE of XXXX as of XX/XX/XXXX with balance XXXX balance I recently found out by the original creditor my information was illegally sold off to XXXX XXXX XXXX XXXX firm and I have never signed a contract with neither one of these creditor back in XX/XX/XXXXXXXX  This account XXXX reflect still open no term past due XXXX as of XXXX by XXXX by law two ppl can not collect both debts I have called both parties National credit system stated XXXX XXXX XXXX XXXX XXXX  is to my knowledge of the FCRA requirements and laws are handling my illegally bc they not the original collection agency FRCA LAWS IT DOES NOT MEET FRCA REQUIREMENTS AND MUST BE PERMANENTLY DELETED FROM MY RECORDS I HAVE FILED MULTIPLE DISPUTES asking for ORIGINAL COPY OF THe CONTRACT with my HAND WRITTEN SIGNATURE validation of the debt and how it was validated and verified AND THEY ALL COME BACK VERIFIED AND UPDATED WITH NO. INFORMATION ON HOW IT WAS VALIDATES OR WITHIN TWO OR THREE DAYS WHICH TELLS ME THE FINDING AND INACCURACY I POINTED OUT IN MY DISPUTES WERE NOT FULLY INVESTIGATING PROPERLY AND YOU ARE ALLOWING A CREDITOR TO FALSELY REPORT INCOMPLETE AND INACCURATE INFORMATION ILLEGALLY WHICH IS HARMING MY RIGHTS AS A CONSUMER TO A FAIR Report with showing COMPLETE ACCURATE AND CONSISTENT REPORT for XXXX XXXX XXXX, opened XX/XX/XXXX with a 1 month term charged off balance and past due balance of XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Experian is reflect a collection account with past due as of XX/XX/XXXX is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
XXXX shows no payment history and account is open no past due Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately I have i knowledge of a signed a contract of with this creditor with review of the information provided which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account

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