Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 
Experian : XXXX XXXX XXXX opened on XX/XX/XXXX {$770.00} XXXX : XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX Account # High Balance : {$0.00} Last Verified : Date of Last Activity : XX/XX/XXXX Date XXXX Date XXXX Balance Owed : {$770.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account has been closed due to inactivity. Unpaid balance reported as loss by the credit grantor. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Past Due Amount : {$770.00} Account Type : Credit Card Payment Frequency : Credit Limit : {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX Experian : account number XXXX, {$29000.00} XXXX : account number XXXX, {$11000.00} XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX by Experian Account # XXXXXXXX High BalanceXXXX Last Verified : Date of Last Activity : XX/XX/XXXX Date XXXX Date XXXX Balance Owed : {$14000.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Merchandise was taken back by credit grantor, there may be a balance due Unpaid balance reported as a loss by the credit grantor. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length XXXX XXXX Month ( XXXX ) Past Due Amount : {$14000.00} Account Type : Auto Loan Payment Frequency : Credit Limit : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$11000.00} Last Verified : Date of Last Activity : XX/XX/XXXX Date ReportedXXXX Date Opened:XXXX Balance Owed : {$14000.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto financing Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account Auto Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX  Month ( XXXX ) Past Due Amount : {$14000.00} Account Type : Auto Loan Payment Frequency : Credit Limit : {$0.00} XXXX XXXXXXXX XXXX : -- XXXX XXXX XXXX XXXX : -- Experian XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. 
MOST COMMON CHARGE-OFF INACCURACIES Repeatedly reporting charge-offs every month a. Every time your account updates the statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL! 
b. EXAMPLE : XXXX : {$0.00} EXPERIAN : {$29000.00} XXXX : {$11000.00} As you can see anything match on this account please verified accuracy.

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