Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting on behalf of XXXX  XXXX. Many things wrong here. First and formost this is not my debt. The next this is how it is being reported and if this agencies see the inaccuracies plain as day how they were reported, why do they all allow this? XXXX has this reported that this account is OPEN and that it was paid on time status in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX but in XXXX it was reported as 120 days behind. XXXX not only allowed an Fraudlent account to be placed on my credit but also allowed it with plenty of inaccuracies. full here from XXXX here XX/XX/XXXX {$510.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXXXXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Open Type Individual High Balance {$510.00} Unpaid Balance {$510.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details Youve Made 98 % Of Payments For This Account On Time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid on time 30 30 days past due 60 60 days past due 90 90 days past due 120 120 days past due 150 150 days past due BR Bankruptcy RF Repossession or foreclosure CC Collection or charge off VS Voluntary surrender N/A No data available Collection agency XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX Here is the report from Experian. it is reporting as closed but no history on this other than cc on XX/XX/XXXX and cc on XX/XX/XXXX. Here is the full report from Experian {$510.00} XXXX XXXX XXXX  Account details Account Number XXXX Date Opened XX/XX/XXXXXXXX  Last Activity XX/XX/XXXXXXXX  Original Creditor XXXX  XXXX XXXX. 
Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$510.00} Unpaid Balance {$510.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department Account details Youve Made 0 % Of Payments For This Account On Time . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid on time 30 30 days past due 60 60 days past due 90 90 days past due 120 120 days past due 150 150 days past due BR Bankruptcy RF Repossession or foreclosure CC Collection or charge off VS Voluntary surrender N/A No data available Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX is reporting this as an open cc account but it has no history. {$510.00} XXXX  XXXX Account details Account Number XXXX Date Opened XX/XX/XXXXXXXX  Last Activity XX/XX/XXXXXXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$510.00} Unpaid Balance {$510.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Account details No History Is Available Collection agency XXXX  XXXX This is fradulent and soooo many inaccuracies.This is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately XXXX XXXX XXXX will need to be removed from my credit report immediatly

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