Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute certain negative items on my credit report due to the financial and medical challenges I faced during the COVID-19 pandemic. The impact of the virus significantly affected my ability to manage my finances, leading to missed payments and increased stress. Given these extenuating circumstances, I kindly request that you review my situation and consider removing the negative items from my report. I believe this would more accurately reflect my creditworthiness, especially as I work to recover from this difficult period. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Balance Owed : Inaccurate Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Account Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Creditor Type : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Last Verified : Inaccurate Date Reported : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Last Verified : Inaccurate Date Reported : Inaccurate Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account stating : ''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 or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Date of Last Activity : Inaccurate Last Verified : Inaccurate Date Reported : Inaccurate Account Name XXXX XXXX  Account Number : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate INQUIRIES EXPERIAN : 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 XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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