Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: KY
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:
To whom this may concern, I have taken a look at my credit report and notice several inaccuracies and wrongful reporting with a 3rd party debt collection company named XXXXXXXX XXXX They are reporting a debt stating that I owe them {$420.00}. I have never conducted business, signed a contract or agree with any terms with them. I sent them a debt validation on XX/XX/2023 certified mail asking them to provide me documentation of the debt they claim that I have with them. I NEVER had a contract with them. I never gave them permission to report anything on my credit report. They stated they are collecting a debt from a company named XXXX XXXX XXXX XXXX XXXX. They sent documents to me that is pointless and didnt prove anything. They didnt send anything with my signature, they didnt send a contract, they didnt send anything besides a print off of some statement. To make matters worse, another company that they are working with called XXXX XXXX XXXX sent me these papers on behalf of XXXXXXXX XXXX Im confused at this point because it seems like this company is all over the place and cant provide any documentation and my information is getting passed around on this CLAIM DEBT. If they purchased debt from XXXXXXXX XXXX XXXX XXXX XXXX that has been written off that is illegal. They lied about investigating it and not removing it from my report is noncompliance with the FCRA laws. They are furnishing information without my written consent. When I was looking at my credit report they are reporting information wrong across ALL THREE BUREAU. Im entitled to a 100 % accurate credit report. 
XXXX XXXX and XXXX is reporting the collection account OPEN and Experian is reporting it as closed. How is this possible? How can a collection account be OPEN? FCRA violation XXXX XXXX is reporting this account as being Late 120 days for the payment status. How is a charge off collection still reporting a late payment status? FCRA violation. 
XXXX Experian and XXXX is reporting a PAST DUE balance. Charge off collections shouldnt be reporting past due balances. Correct? FCRA violation XXXX Why isnt the original creditor listed on Experian and XXXX? 
XXXX The dates of last activity, date reported and date open has different dates all across the board. 
XXXX The document of the claim debt they sent me the account number doesnt match on my credit report. 
I can list several reasons of the inaccuracies of this account. As a consumer this is slandering and Im entitled to a fair accurate credit report by law. I know my rights. Im demanding for this to be removed from my credit report. Im also attaching evidence to support my claims. Please see the attachments. 
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. There shouldnt be damages on my credit report. Its a defamation to my character. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681g

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