Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
Today 's date : XX/XX/year> XXXX. XXXX XXXX XXXX ( Account Ending in XXXX ) The company is reporting a derogatory collection account originally tied to XXXX XXXX, with a balance of {$2100.00}. I have already sent XXXX previous dispute letters with no deletions of the negative account. No proper validation or documentation has been provided to support the accuracy of this debt. The account continues to be reported as a charge-off on my TransUnion report, which I believe violates the Fair Credit Reporting Act. 

XXXX. XXXX XXXX XXXX ( Account Ending in XXXX ) A negative collection account originally from XXXX Credit Card is being reported by this company, with a balance of {$1300.00}. I have sent XXXX previous dispute letters with no deletions of the negative account. No supporting documentation or proper validation has been provided to verify the amount or the ownership. The company has continued to report it as derogatory without resolving the dispute. 

XXXX. XXXX XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX XXXX is reporting a collection account tied to XXXX XXXX Bank, with a balance of {$1400.00}. I have sent XXXX dispute letters with no deletions of the derogatory information. I have not received any legal validation of the debt. The account remains on file with a derogatory status. 

XXXX. XXXX XXXX XXXX ( Account Ending in XXXX ) This company is reporting a collection account allegedly related to XXXX XXXX, with a balance of {$1300.00}. I have sent XXXX dispute letters with no deletions of the negative account. To date, I have not received any documents validating the debt. The account continues to report as open and in collection. 

XXXX. XXXX XXXX ( Account Ending in XXXX ) This account has been reporting negatively for years with an original credit limit of {$400.00}. I have sent XXXX formal dispute letters with no deletions of the negative item. No response or documentation has been provided to support the claim, and the account remains reported as derogatory. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( Account Ending in XXXX ) XXXX XXXX is reporting a charged-off credit card account with a balance of {$1300.00}. I have submitted XXXX previous dispute letters, and the account has not been deleted. No verification has been received. The account continues to report negatively on all three credit bureaus. 

XXXX. XXXX XXXX XXXX ( Account Ending in XXXX ) This account appears on all three credit reports with a charged-off status and a high credit amount of {$2100.00}. I have sent XXXX dispute letters, and there has been no deletion of the derogatory reporting. No validation of the debt has been provided. 

XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ) This account is allegedly tied to XXXX XXXX XXXX XXXX with a balance of {$750.00}. I have submitted XXXX dispute letters with no deletion of the negative account. The company has not supplied any validation or acknowledgment of my disputes. The balance is still being reported. 

XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX in XXXX ) XXXXXXXX XXXX XXXX is reporting a derogatory credit card account with a balance of {$250.00}. I have sent XXXX dispute letters with no deletion of this negative item. No documentation has been provided to validate the debt. 

XXXX. XXXXXXXX XXXX ( Account Ending in XXXX ) XXXXXXXX XXXX  is reporting a charged-off account with a balance of {$960.00}. I have sent XXXX previous dispute letters and received no validation. The account continues to appear negatively on my reports with no deletions made. 

XXXX. XXXX ( Account Ending in XXXX ) This account has been reported as charged off for several years with a balance of {$300.00}. I have submitted XXXX dispute letters with no deletion of the negative reporting. I have not received any supporting information or resolution from XXXX. The account remains derogatory on my reports.

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