Consumer complaint received 2024-05-11 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: MO

Complaint narrative:
On XX/XX/XXXX, I attempted to activate my XXXX XXXX XXXX on a different network but I was told by that company that my phone, that I've had for years was unable to work on their network because the phone was locked. I contacted XXXX XXXX XXXX  today via the XXXX XXXX XXXX Device Unlock Request online but was denied due to an unpaid balance. I am attaching a screenshot of the email to show such. Since, I have ported my existing number over from my most recent carrier to the new one, neither of which are XXXX XXXX XXXX I am now without a phone or means to communicate outside my home. The email did not show a balance so I pulled my credit report and it is showing a balance of {$830.00} under XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ). This account is showing as a Collection/Chargeoff. I have submitted a complaint against Experian and XXXX for this same account through CFPB and they both came back saying that the company verified this account so it remained on my credit report although it is very inaccurate. I have also attached a screenshot of my XXXX credit report to show the inaccuracies to include the date last active date, XXXX says XX/XX/XXXX, Experian says XX/XX/XXXX. The last reported date says XX/XX/XXXX and XX/XX/XXXX. The date opened says XX/XX/XXXX and XX/XX/XXXX. Lastly, it shows a balance of {$830.00} but being that this account was CHARGED OFF, and a charge off is considered a certificate of indebtedness which means it is income and must be removed and it has not is a direct violation of my rights as is the reporting of the inaccurate account on Experian and XXXX. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate and must be removed. In addition to these accounts being removed, my balance with XXXX XXXX XXXX needs to be corrected to paid in full. I want to reiterate that according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In addition to the removal of this account from my credit report, I need this phone, XXXX XXXX XXXXXXXX XXXX XXXX, to be unlocked for use. I am a XXXX mother and in need of means of communication. This has caused me severe undue hardship and stress. I just need my credit report remedied by THE DELETION OF THIS ACCOUNT ON BOTH XXXX AND EXPERIAN, XXXX XXXX XXXX to update their records to paid in full as it has been and my phone to be unlocked so I can feel safe with the ability to communicate and not worry about the negative impact this falsehood has on my credit report and personal credibility or I will pursue all monetary compensation allowed. I need this remedied within the next 24 hours. Thank you for your understanding and cooperation.

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