Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are multiple discrepancies on my credit report that I would like to have investigated and remove as soon as possible. 

XXXX XXXX XXXX first of all we've never been late. There were some fraudulent charges made on the account for some reason the bank approved half of them and of the other half but 100 % of it was fraudulent so we should have a XXXX balance. Also, I was just an authorized user on this account, and we have requested to remove me from the account and close the account so I have no idea why this is still showing up on my credit report. I'm not the primary and I should not be on the account anymore. 

XXXX XXXX XXXX XXXX  you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX XXXX  you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX. XXXXXXXX XXXX XXXX you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX XXXX XXXX you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me If you can't prove that the account originally belong to me then I expect you to remove There are also some inquiries on my account that do not belong to me. I've contacted the bank directly. They agree that the inquiries were made fraudulently and should not be listed on my credit report, but they say it's up to the credit reporting agency to remove them feel free to call the Bank if you're uncertain. I would like all of these removed as soon as possible. And paper copies of the updated Report sent to me as soon as possible paper because I can not login every time I try to login online it always tells me I have to call so I want everything sent to me in writing paper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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