Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This company, XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, unverifiable account information to the credit bureaus and is doing so without having first contacted me regarding the account being reported as having XXXX as the original creditor for the dollar amount of {$370.00}. In a recent report to the CFPB, XXXX XXXX XXXX stated that the account in question is for a debt owed allegedly owed to XXXX XXXX in the amount of {$220.00} ( See attachment ). XXXX XXXX XXXX also went on to state that I informed them that I did not wish to be contacted regarding the debt reported as originally belonging to XXXX, which is false ( See attachment ). I have never had any contact nor communication with XXXX XXXX XXXX outside of my formal complaints to the CFPB and each of the three major credit reporting bureaus XXXX, XXXX and Experian. Direct communication with XXXX XXXX XXXX has never happened. I want to see proof that I was ever contacted by XXXX XXXX XXXX  via Certified Mail or a recorded phone call regarding any of these debts prior to them being reported to the credit bureaus. If this is not possible, these debts should not be allowed to be a part of my credit file, because that is a direct violation of federal consumer protection laws and the bureaus have a statutory obligation to protect consumers from unlawful debt collection tactics and dirty tricks such as this, deployed by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and/or XXXX, in an effort to collect on any debt, whether or not the alleged debt is valid. My complaint was originally based upon the fact that XXXX XXXX XXXX was illegally reporting this debt to the credit bureaus without first having made any attempts to inform me about its existence. It's impossible for XXXX  to collect a debt on behalf of XXXX and vice versa, as these are two entirely different entities and it can not be verified which debts, accounts, or amounts are accurate due to the multiple inaccuracies and inconsistencies provided by XXXX XXXX XXXX XXXX XXXX . I have no knowledge of any debts that I am responsible for with neither XXXX, XXXX XXXX, nor XXXX and respectfully demand that the following accounts be deleted from my credit reports immediately on the basis that they are invalid, do not belong to me and are being inaccurately reported : XXXX XXXX acct XXXX # XXXX ( {$190.00} ) XXXX XXXX acct. # XXXX ( {$3200.00} ) XXXX XXXX Services acct. # XXXX ( {$370.00} ) XXXX acct. # XXXX ( {$610.00} ) XXXX XXXX acct. # XXXX ( {$220.00} ) None of these accounts make any sense and are so inaccurate that any attempts at updating or correcting them would only cause further undue harm to my credit score on the basis of trying to make sense of jumbled and mismanaged account data being furnished by XXXX and/or XXXX to XXXX XXXXXXXX XXXX XXXXXXXX At this point , it is clear that XXXX XXXX XXXX XXXXXXXX and XXXX and XXXX are attempting to collect a debt that either does not exist or actually belongs to a different person, because I owe no such debts and have never had any such accounts with any of these creditors.