Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX - alleged XXXX past due late payments DISPUTE under following US laws of governance : : -15 USC 1692e False/misleading representations -15 USC 1692g Debt Validation- requested proof of debt -15 USC 1681a ( 2 ) a ( i ) Definition/Rules of construction - report cannnot contain information solely as to transactions or experiences between consumer and creditor -15 USC 1681s-2 Responsibility of furnisher to provide documentation. 

XXXX XXXX XXXX XXXX XXXX alleged collection/charge off DISPUTE under following US laws of governance -15 USC 1692e False/misleading representations -15 USC 1681a ( 2 ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor.

-15 USC 1681b - Permissable Purpose, no signed contract with entity to collect information or data.

-15 USC 1681s-2 Responsibility of furnisher to provide documentation -15 USC 1692g Debt Validation- requested proof of debt XXXX XXXX XXXXXXXX XXXX alleged collection/charge off DISPUTE under following US laws of governance XXXX15 USC 1692g Debt Validation- requested proof of debt -15 USC 1692e False/misleading representations -15 USC 1681b - Permissable Purpose, no signed contract with entity to collect information or data.

-15 USC 1681a ( 2 ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor.

-15 USC 1681s-2 Responsibility of furnisher to provide documentation Hunter XXXX XXXX alleged collection DISPUTE under following US laws of governance -15 USC 1692g Debt Validation- requested proof of debt -15 USC 1692e False/misleading representations -15 USC 1681b - Permissable Purpose , no signed contract with entity to collect information or data.

-15 USC 1681a ( 2 ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor. 
-15 USC 1681s-2 Responsibility of furnisher to provide documentation XXXX  XXXX XXXX XXXX alleged charge-off ( secured card XXXX security deposit forfeited - balance paid ) This charge-off is in violation of the Fair Credit Reporting Act ( FCRA ). Accordingly, a charge-off ( written off ) must show XXXX ( XXXX ) balance or its being illegally and inaccurately reported. RE : Gugger vs. USAA 1099c Idenfiable Even Code ( 7 ) where chargeoff was ruled discharged with XXXX ( XXXX ) balance DISPUTE under following US laws of governance -15 USC 1692g Debt Validation- requested proof of debt -15 USC 1692e False/misleading representations -15 USC 1681b - Permissable Purpose, no signed contract with entity to collect information or data.

-15 USC 1681a ( 2 ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor. 
-15 USC 1681s-2 Responsibility of furnisher to provide documentation XXXX XXXX XXXX XXXX alleged charge-off ( XXXX certified funds rec 'd before chargeoff date and credited to the account. HOWEVER, XXXX XXXX fraudulently " written off '' total balance and filed insurance claim AFTER creditng XXXX to this account. How are they able to double-dip? This is FRAUD and needs to be investigated by appropriate authority i.e. FTC, etc. 
This charge-off is in violation of the Fair Credit Reporting Act ( FCRA ). Accordingly, a charge-off ( written off ) must show XXXX ( XXXX ) balance or its being illegally and inaccurately reported. RE : Gugger vs. USAA 1099c Idenfiable Even Code ( 7 ) where chargeoff was ruled discharged with XXXX ( XXXX ) balance DISPUTE under following US laws of governance -15 USC 1692g Debt Validation- requested proof of debt -15 USC 1692e False/misleading representations -15 USC 1681b - Permissable Purpose, no signed contract with entity to collect information or data.

-15 USC 1681a ( 2 ) a ( i ) Report cannnot contain information solely as to transactions or experiences between consumer and creditor.

-15 USC 1681s-2 Responsibility of furnisher to provide documentation

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