Consumer complaint received 2024-10-01 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: GA

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 : 1. Account Name : XXXX Account XXXX : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reason : balance : 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 Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
High Balance : Inaccurate Last Verified : Inaccurate Close Date : Inaccurate XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : balance : 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. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Close Date : Inaccurate XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. 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. 


These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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