Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX  XXXX  XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$190.00} High Balance {$190.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$470.00} High Balance {$470.00} Remarks Placed for collection XXXX XXXX XXXX  {$950.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXXClosed Date -- Responsibility Individual Balance {$950.00} High Balance {$950.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX  {$64.00} Account Details Last Reported XX/XX/XXXX Collection Agency XX/XX/XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$64.00} High Balance {$64.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX  XXXX  XXXX  XXXX  {$490.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX  XXXX  Original Creditor XXXX  XXXX Status Open Opened Date XX/XX/XXXXClosed Date -- Responsibility Individual Balance {$490.00} High Balance {$490.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$510.00} Highest Balance {$510.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*102.00 % Creditor Contact Details XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  {$750.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$750.00} Highest Balance {$750.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXXAmount Past Due {$750.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*150.80 % Creditor Contact Details XX/XX/XXXXXXXX  XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX  {$1800.00} Account Details Last Reported XX/XX/XXXX Creditor Name XX/XX/XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$1800.00} Highest Balance {$1800.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1800.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*126.53 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX filed ftc on all accounts above

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