Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: LA
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:
Lets get Straight into this, All 3 Credit Reporting Private Companies has a account on my Credit report that shouldnt be on there. Actually by Law nothing should be on my Credit report sue to the Fact I havent giving anyone permission to report anything on my credit Profile I have the right of privacy They have a account from XXXX XXXX Bank and all 3 Private Data Reporting Companies have something different on their for the Account Status. Im going to start with XXXX XXXX, has the Account listed as In Collection/Charged off. This XXXX  XXXX Account cant be a Charge of because that means that XXXX XXXX Bank gave up the Debt in most cases filed a Insurance Claim, also will be receiving a Tax Write off.. As for the Collection part, how do the Credit Reporting even know that this account for XXXX XXXXXXXX Bank is in Collections when a the Collection company at hand never even Posted yet. Another pointer is that until the Debt Collection Compnay sends over the Validation not Verification I requested the Acount may not even be mines. Im attaching a file with this letter showing that This account should be Deleted according without any Delay. 

Now on to XXXX. XXXX has this Account listed as a Charge off, and as I stated Earlier in this letter that this isnt a Charge off. A Charge off is when the Granting Company just throws in the Towel and take a full lost. Actually its not a Full lost because They fill an Insurance Claim to get paid, also write it off on their yearly Taxes. Basically they are getting paid twice for it, and also when a Company Charges Items off the Consumer isnt held reliable for that Account because the Granting company took it upon themselves to Charge that Account off. So please remove at Once. 

Now For Experian. 
Experian Also has this account showing as Charged off. Clearly you can read the above statement about Charge Offs, so Im not going to get into that. I could tell you this though., These Credit Reporting Companies are illegally False Reporting. This Account was never Charged off, nor do they know its in Collections. They are breaking the law, in the attachment Im attaching to this XXXX XXXX Bank Clearly says they Sent these False Credit Reporting Companies a message to DELETE THIS ACCOUNT because they dont want their name on anything. Once again the Law has Been broken by these Private Companies whom call themselves a Bureau, when Actually their criminals due to the reason I didnt give my consent to post anything on their Reports or whatever you want to call it. My right have been violated, my right to my privacy must not be a Great American Law anymore. 

Please remove this Account from your reports or be prepared to be Sued In the Words of the late Great Donald Trump Lets make American Great Again

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 non-monetary relief