Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX ACCOUNT # : XXXX DELETE IMMEDIATELY I am not liable for this DEBT with XXXX XXXX XXXX XXXX XXXX. I do not have an ORIGINAL CONTRACT with XXXX XXXX XXXX XXXX XXXX XXXX XXXX You did not provide me with the ORIGINAL CONTRACT as I Requested & THIS ACCOUNT IS FULLY VIOLATING METRO 2 COMPLIANCE & FCRA LAWS The enclosed account summary XXXX XXXX XXXX XXXX me clearly states : ( ( This account summary has been prepared by XXXX XXXX XXXX XXXX behalf of XXXX XXXX XXXX XXXX It is not a credit card or other account statement from the original creditor. ) ) THIS IS NOT AN ORIGINAL CONTRACT FROM XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing Deceptive Forms & Deceptive Credit Report 1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 
This is a NOTICE that I am DISPUTING your claim for this Account # : XXXX. 
!!! THIS ACCOUNT IS NOT MINES AND ITS REPORTING INCOMPLETE & INACCURATELY DELETE THIS ACCOUNT!!! 


VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT WITH XXXX AND ITS REPORTING INCOMPLETE & INACCURATELY. 
DELETE THIS ACCOUNT IMMEDIALELY!!! 

EXPERIAN 1. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 2. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 3. NO LAST VERIFIED REPORTING ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 4. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 5. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 6. TERM LENGHT : 1 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 7. PAST DUE AMOUNT : {$1200.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE XXXX VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT AND ITS REPORTING INCOMPLETE & INACCURATELY. 
DELETE THIS ACCOUNT IMMEDIALELY!!! 

1. ACCOUNT STATUS : OPEN ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) 2. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE )

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