Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my Experian report but XXXX failed to perform an investigation and delete the disputed information. I never had a contract with this debt collector for any debt. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. I have reason to believe that the aforementioned collection account may be erroneous or incorrectly reported. I have no recollection or knowledge of any outstanding debt owed to the mentioned creditor. Therefore, I kindly request that you provide me with the following information to validate the debt : XXXX. Full documentation and details of the alleged debt, including the original creditor, the amount owed, and a complete account history. XXXX. Proof of the creditor 's legal authority to collect the debt, such as a copy of the signed agreement or contract. XXXX. Verification of the accuracy and completeness of the account information, including the dates of delinquency and the last activity on the account. I understand that under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of a debt claimed by a collection agency. Until such validation is provided, I request that you place the collection account in dispute and refrain from reporting it on my credit file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section XXXX ( b ) of XXXX XXXX. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

Sincerely, 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