Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX : I disputed two errors on my report. The dispute dates are XX/XX/XXXX and XX/XX/XXXX. 

I disputed XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. I asked for them to 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. They have not sent any contract or proof nor provided with results of an actual investigation. This debtor has last reported this on my report this month XX/XX/XXXX which is a violation. This is also reflecting negatively on my credit report. Please delete this account. 

XXXX : I disputed late statuses reflecting on XXXX XXXX XXXX the dispute dates are XX/XX/XXXX and XX/XX/XXXX Account The current payment status of DELINQUENT is incorrect because the balance due on this account is {$0.00}. Also, in accordance with the fair credit reporting act, this debtor has violated my rights. Under 15 USC 1681 section 6 0 2 it states, I have a right to privacy ( under 15 USC 1681 section 6 0 4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. Please remove delinquent off of my profile has the account status is paid and balance is XXXX. 

Experian I disputed four errors on my report. The dispute dates are XX/XX/XXXX and XX/XX/XXXX. 

XXXX I am victim of identity theft per the XXXX data breach. XXXX and XXXX already removed this charge off acct and the collection associated with it due to the breach. However, Experian has not shown results of an investigation or removed this item off of my report and it reflects negatively. Please remove and delete this off my credit report. 

XXXX The dispute dates are XX/XX/XXXX and XX/XX/XXXX. 

I am victim of identity theft per the XXXX data breach. XXXX and XXXX already removed this charge off acct and the collection associated with it due to the breach. However, Experian has not shown results of an investigation or removed this item off of my report and it reflects negatively. Please remove and delete this off my credit report. 

XXXX XXXX XXXX The dispute dates are XX/XX/XXXX and XX/XX/XXXX. 

I never had a contract with this debt collector for any debt. I asked for the debtor to provide proof of debt. I asked for proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. They have not sent anything from my request, and I've disputed twice. Please remove this account off of my credit profile. 

XXXX XXXX XXXX The dispute dates are XX/XX/XXXX and XX/XX/XXXX. 

I never had a contract with this debt collector for any debt. They have not sent any proof of debt nor results of an investigation. 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. 

XXXX XXXX XXXXXXXX XXXX XXXX The dispute dates are XX/XX/XXXX and XX/XX/XXXX. 

The current payment status of DELINQUENT is incorrect because the balance due on this account is {$0.00}. Also, in accordance with the fair credit reporting act, this debtor has violated my rights. Under 15 USC 1681 section 6 0 2 it states, I have a right to privacy ( under 15 USC 1681 section 6 0 4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. Please remove delinquent off of my profile has the account status is paid and balance is XXXX. 

XXXX XXXX XXXX The dispute dates are XX/XX/XXXX and XX/XX/XXXX. 

I never had a contract with this debt collector for any debt. I asked for the debtor to provide proof of debt. I asked for proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. They have not sent anything from my request, and I've disputed twice. Please remove this account off of my credit profile.

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