Consumer complaint received 2024-11-20 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 formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I believe this account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and negative payment status, or remove the negative information from this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I have no contract with this debt collector regarding this debt. Please provide evidence from the original creditor that this collector owns the debt and has the legal right to collect it, or delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I have never had any agreement with this debt collector regarding this debt. Please provide proof from the original creditor confirming that this collector owns the debt and has the legal right to collect it, or remove this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : 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. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I have never had any agreement with this debt collector regarding this debt. Please provide proof from the original creditor confirming that this collector owns the debt and has the legal right to collect it, or remove this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Last Verified : 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. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Last Verified : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply concerned as I have never entered into any agreement with this debt collector regarding this debt. I urgently request that you provide undeniable proof from the original creditor that this collector legally owns the debt and has the right to pursue it. If such proof can not be provided, I expect this account to be removed immediately, as this situation is causing me significant distress. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : It is incredibly troubling to me that this debt collector is involved with this account, as I have never entered into any agreement with them. I urgently request proof from the original creditor confirming that this collector legally owns the debt and has the right to collect it. If such proof can not be provided, I demand that this account be removed immediately, as this is causing me significant stress and concern. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I have found an inaccuracy on my credit report regarding this account, which appears only on my XXXX report. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : XXXX Account Number : XXXX Reason : I am deeply concerned as I have never entered into any agreement with this debt collector regarding this debt. I urgently request that you provide undeniable proof from the original creditor that this collector legally owns the debt and has the right to pursue it. If such proof can not be provided, I expect this account to be removed immediately, as this situation is causing me significant distress. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : It is incredibly troubling to me that this debt collector is involved with this account, as I have never entered into any agreement with them. I urgently request proof from the original creditor confirming that this collector legally owns the debt and has the right to collect it. If such proof can not be provided, I demand that this account be removed immediately, as this is causing me significant stress and concern. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have found an inaccuracy on my credit report regarding this account, which appears only on my XXXX report. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 


These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report with 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