Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX-XXXX  XXXX  XXXX  XXXX, MI XXXX  Other Last Names : XXXX, XXXX  Date of Birth : _XXXX_/_XXXX_ /_XXXX___ SSN : _ _ _ - _ _ - _ _ _ _ XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX  Dear XXXX, I am writing to dispute the following information that appears on my XXXX  report from XX/XX/XXXX : XXXX XXXX account with account # XXXX**** opened onXX/XX/XXXX and a balance of {$4000.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX XXXX XXXX account with account # XXXX**** opened on XX/XX/XXXX and a balance of {$650.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX XXXX account with account # XXXX** opened on XX/XX/XXXX and a balance of {$0.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

US DEPT ED Collection with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX account with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

US DEPT ED Collection with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

US DEPT ED Collection with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX  account with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX  account with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

US DEPT ED Collection with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

US DEPT ED Collection with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX  account with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX  account with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

US DEPT ED Collection with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX  account with account # XXXX**** opened on XX/XX/XXXX and a balance of {$0.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX  Collection with account # XXXX**** opened on XX/XX/XXXX and a balance of {$1600.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX  Collection with account # XXXX**** opened on XX/XX/XXXX and a balance of {$250.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX account with account # XXXX**** opened on XX/XX/XXXX and a balance of {$700.00}.

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

Inquiry from XXXX  on XX/XX/XXXX.

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX  on XX/XX/XXXX.

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX  XXXX  XXXX  on XX/XX/XXXX.

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX  on XX/XX/XXXX9.

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX  on XX/XX/XXXX.

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX  on XX/XX/XXXX.

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX  on XX/XX/XXXX.

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX  on XX/XX/XXXX.

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Collection account from Unknown  with account # XXXX**** and a balance of {$980.00}. The original creditor is XXXX  XXXX.

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Sincerely, XXXX  XXXX

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