Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> Date of Birth : XX/XX/year> SSN : XXXX - XXXX - XXXX To whom it may concern DEBT VALIDATION Your company said I allegedly owe you money. I will " PAY '' under one condition if you can provide me with : 1. The original contract from the original creditor with my signature on it guaranteeing that I will pay this creditor.

2. The payment history made by me to the original creditors 3. Proof of debt assignment or chain title assigned to you to collect this dept.

4. Also has any insurance claim file on this debt If not, then here by requesting that you REMOVE these collections below immediately from reporting on my credit report : Collection account from XXXX XXXX  with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX - XXXX 
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. 1. The original contract from the original creditor with my signature on it guaranteeing that I will pay this creditor.

2. The payment history made by me to the original creditors 3. Proof of debt assignment or chain title assigned to you to collect this dept.

4. Also has any insurance claim file on this debt Collection account from XXXX XXXX with account # XXXX and a balance of {$11000.00}. The original creditor is XXXX XXXX XXXX. 
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. 1. The original contract from the original creditor with my signature on it guaranteeing that I will pay this creditor.

2. The payment history made by me to the original creditors 3. Proof of debt assignment or chain title assigned to you to collect this dept. 
XXXX. Also has any insurance claim file on this debt Collection account from XXXX XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
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. 1. The original contract from the original creditor with my signature on it guaranteeing that I will pay this creditor.

2. The payment history made by me to the original creditors 3. Proof of debt assignment or chain title assigned to you to collect this dept.

4. Also has any insurance claim file on this debt And provide me with written confirmation of the results of your investigation within 30 days, as required by the 15 USC 1692 g. If the information is found to be inaccurate or unverifiable, it must be removed from my credit report immediately.

Please be advised that under the FCRA, you are obligated to conduct a reasonable reinvestigation of the disputed items. Failure to do so may result in legal action. 

Kind Regards, 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