Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed this collection with the experian, XXXX and XXXX credit agencies but it has came back as verified. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. the creditor has stated they do not have this information and has put this on hold while attempting to gather it. If they do not have this information then why is this being reported on my credit? this is fraud. as of this XXXX they claim it has came back as verified I will be attaching their response as well. I have not been supplied the doctrine of estopper by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Send me the original contract and show me how this was verified. If this can not be done, which I know it can not because I have Never had XXXX, Please remove immediately. Attaching how this is being reported across all 3 credit agencies. 
On XXXX their is no information or history of supposed payments. Yet it was updated on XX/XX/XXXX {$1400.00} XXXX  Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$1400.00} Unpaid Balance {$1400.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Account details No History Is Available Collection agency XXXX Here on XXXX it says that I have paid on time payments XXXX XXXX of the time. How? This is a fraudulent account. If I paid XXXX XXXX on time then why is it in collections? 
XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX  Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Open Type Individual High Balance {$1400.00} Unpaid Balance {$1400.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Collection Account Account details Youve Made XXXX XXXX Of Payments For This Account On Time. 
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 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 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 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 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 Then that brings us to experian. It only has one history that states that it is in collections. no other payments or contract information. this is goes against the fair credit consumer rights. 
XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX  Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$1400.00} Unpaid Balance {$1400.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department Account details Youve Made XXXX XXXX Of Payments For This Account On Time . 
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