Consumer complaint received 2024-11-13 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: TN

Complaint narrative:
I am disputing the negative items listed on my credit report as they do not belong to me. I have thoroughly reviewed my records and can confirm that these accounts are either incorrect or do not match my personal information. 
I request that these inaccurate entries be removed from my credit report as soon as possible. I have attached supporting documentation to verify my identity and demonstrate that these items are not associated with my credit history. 
Please investigate this matter promptly and update my credit report to reflect accurate information. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$17000.00} Reason : 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 Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : 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 Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I previously disputed this account on Experian regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

INQUIRIES : Experian XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> The items listed are not associated with my credit history and do not belong to me. I request that these accounts be fully investigated and removed from my report. Despite previously reaching out to both the credit reporting agency and the data furnisher, the issue has not been resolved. Attached are supporting documents and screenshots of my credit report to help verify my claim. Please investigate this matter promptly and update my credit report accordingly.

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