Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
I am writing to seek your assistance in resolving an issue related to a charged off account. I believe it is crucial to bring this matter to your attention as it involves unfair treatment by Experian I recently discovered that my account with XXXX has XXXX charged off. However, I have concerns regarding the accuracy and legitimacy of this charge off. I have made several attempts to communicate with the creditor and obtain information about the charge off, but my efforts have been unsuccessful. I would like to request your intervention and investigation into the matter, as I believe there XXXX be violations of consumer protection laws or regulations. Specifically, I have the following concerns : XXXX. Lack of communication : Despite my attempts to contact the creditor, they have failed to provide me with clear and concise information regarding the charge off. I believe that as a consumer, I have the right to be informed about the status of my account. XXXX. XXXX of debt : I would like the Consumer Financial Protection Bureau to help me ensure that the charged off amount is accurate and properly documented. I have not received any validation or verification of the debt from the creditor, which raises doubts about its validity. XXXX Credit reporting accuracy : I am concerned that the charged off account XXXX have been incorrectly reported to the credit bureaus, negatively impacting my XXXX XXXX. I kindly request your assistance in reviewing the accuracy of the credit reporting associated with this account. I kindly request that you keep me informed about the progress of your investigation and any actions taken as a result. Additionally, I would greatly appreciate any guidance or advice you can provide me regarding the steps I should take to resolve this matter and protect my rights as a consumer. I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection, and I am hopeful that your intervention will lead to a fair resolution of this charged off account. XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( B ) ( XXXX ) but yet they placed a collection on my consumer report. 
I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( XXXX ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( D ) and 15 USC 1681-S2 ( XXXX ) ( A ) Requesting the purchase agreement between collection agency and original creditor Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX

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