Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name XXXX XXXX XXXX Account Number : XXXX 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. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX 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. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX Account Number : XXXX 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. 
Date of Last Activity : Inaccurate Creditor Type : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is being reported incorrectly on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide documentation of the charge-off and either update the balance to {$0.00} or remove the negative payment status from this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$730.00} 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. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date Reported : Inaccurate Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$5000.00} 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. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Last Payment : Inaccurate Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$4400.00} 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. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This account is being reported incorrectly on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide documentation of the charge-off and either update the balance to {$0.00} or remove the negative payment status from this account. 

Account Name XXXX XXXX XXXX  Account Number : XXXX 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. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX 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. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX 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. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is being reported incorrectly on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide documentation of the charge-off and either update the balance to {$0.00} or remove the negative payment status from this account. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX 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. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX XXXX  Account Number : XXXX This account is being reported incorrectly on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide documentation of the charge-off and either update the balance to {$0.00} or remove the negative payment status from this account. 

These items are either inaccurately reported or have already been resolved, and I request a thorough review and correction. Despite having already contacted both the credit reporting agency and the data furnisher, the issue remains unresolved. I have included supporting documents and screenshots of my credit report to highlight the inaccuracies and substantiate my claim. Please investigate this matter promptly and update my credit report with the correct information.

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