Consumer complaint received 2024-05-22 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 in disagreement with the accounts listed below which are still showing on my credit report, even after initial investigations I directly initiated using the US Mail. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit score. 

- XXXX  XXXX # XXXX opened on XX/XX/XXXX and a balance of {$7800.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. 
Please mail me the proof of your investigation ( name of person who verified and their business address ) and proof of the negative payment status for this account, or delete the negative information in this account. 

- XXXX  XXXX Account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. Please mail me the proof of your investigation ( name of person who verified and their business address ) and proof of the negative payment status for this account, or delete the negative information in this account. 

- XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$52000.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please provide me the proof of your investigation ( name of person who verified and their business address ) and proof of the negative payment status for this account, or delete the negative information in this account. 

- XXXX XXXX Mortgage account with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. Please provide me the proof of your investigation ( name of person who verified and their business address ) and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX Credit Card account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. Please provide me the proof of your investigation ( name of person who verified and their business address ) and proof of the negative payment status for this account, or delete the negative information in this account. 

- Collection account from XXXX with account # XXXX and a balance of {$710.00}. The original creditor is XXXX. 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. ''. Please provide me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

- Inquiry from EXPERIAN BUSINESS CRED on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

- Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you've verified above so that I could follow up. Please provide an updated version of my credit report when complete.

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