Consumer complaint received 2024-11-25 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:
Over the course of 4 years, I have made over a dozen attempts through disputing/requesting validation and contractual verifications on several accounts that continue to be reporting by XXXX, XXXX which are fraudulent accounts that were breached back in XXXX. I wasn't aware of the requirements to file an identity theft report via FTC until recently.FTC Report # XXXX Between the severe negligence of inaccurate reporting, furnisher knowingly reporting without providing validations/verifications/or proof of disclosures or periodic statements, I have a total of XXXX ( XXXX ) accounts that contain a total of XXXXXXXX XXXX  ( Charge-off Negative reporting ), many without late payments ( In which were NOT mine/opened by me specifically ), a total of XXXX inquiries that were NOT initiated by my person & several of these accounts are BEYOND 7 YEARS OLD, which violates FCRA/FDCPA 15 USC 1605 ( B ), 1681C ( 2 ), as well as going beyond the 4 years of XXXX statute of limitations on credit card collection timeframe. I have attached a copy of my XXXX report and notated the referenced accounts with the page numbers correlated to the accounts that have resulted in numerous violations from reporting inaccuracies, delinquencies, XXXX charge-off monthly totals, and collection activity that have violated my rights within the FDCPA and FCRA laws. 

In depth detail, the latest report from XXXX XXXX # XXXX ( pdf attached for verification ) pulled on XXXX, shows the following inaccurate accounts. I also called XXXX to obtain the total disputing transactions to date and they were unable to provide that information to me but instead " put in a technical request inquiry '' and still have NOT received an email in regards to that specific request. This has been an ongoing issue with no resolution and I will be seeking litigation to correct this and seek financial compensation for the damages I have endured through no fault of my own. 
Below are the following accounts that are necessary to remove, as part of the breach from XXXX : XXXX XXXX XXXX XXXX XXXXXXXX ( PAGE XXXX ), Status Charge-Off ( 57 Months reported as CO ), Opened XXXX Last reported XXXX, shows only XXXX late XX/XX/XXXX charged off XX/XX/XXXX yet a balance of {$670.00}, have disputed numerous times, no response on verification of validation. per 1681S-2 ( B ), the furnisher MUST conduct reasonable investigation, nothing has EVER BEEN provided. Charge off = INCOME, per the IRS ( F1099C ) that shall NOT be reported on consumer credit reports. 
XXXX ). XXXX XXXX ( Page XXXX ), Status Charge-Off ( 19 Months reported as CO ), Opened XX/XX/XXXX, last reported XX/XX/XXXX Balance {$170.00}, Inaccurate information of " date of XXXX delinquency on XX/XX/XXXX & then " Delinquency XXXX reported on XX/XX/XXXX '' ... How can BOTH of those statements be true? Charge off = INCOME, per the IRS ( XXXX ) that shall NOT be reported on consumer credit reports XXXX ). XXXX XXXX XXXX ( XXXX XXXX ) Closed as XXXX off with a positive balance of {$190.00}. Date Opened XX/XX/XXXX, last reported XX/XX/XXXX ( 49 Monthly XXXX ) XXXX XXXX reported XX/XX/XXXX. This is XXXX  XXXX XXXX XXXX, Disputed MANY times and no validation/contractual information sent. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Page XXXX ), Charge-Off Account Balance {$480.00}, Opened XX/XX/XXXX, Date Closed XX/XX/XXXX - ( XXXX CHARGE OFF Months reported ), Date Reported XX/XX/XXXX. 
XXXX ). XXXX XXXX XXXX Balance {$440.00} Opened XX/XX/XXXX - PAST 7 YEARS for reporting, date reported XX/XX/XXXX Status : Charge-Off ( XXXX ) Monthly Charge Offs, Date of XXXX delinquency XX/XX/XXXX ; Delinquency XXXX reported XX/XX/XXXX - HOW CAN THIS BE ACCURATE? This account is EXACT to whats reporting on XXXX XXXX, with all the same information just different account #. Again, this Charge Off is considered income, per IRS XXXX and MUST BE DELETED! Both XXXX XXXX Accounts. 
XXXX ). XXXX XXXX XXXX Co XXXX XXXX ( Page XXXX ) Balance {$330.00} - Status : Charge-Offs ( 56 Monthly Charge Offs ) Date Opened XX/XX/XXXX, date reported XX/XX/XXXX - Date of XXXX delinquency, XX/XX/XXXX - Delinquency XXXX reported XX/XX/XXXX XXXX ). XXXX XXXX - XXXX off - Reported XXXX {$0.00} - Date of last activity is XX/XX/XXXX, but doesnt show when the account was charged off. Because of the 4 year statute of FL limitations and IRS XXXX income, this should NOT be reporting as of XXXX years later, TO DELETE! 
XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX Page XXXX ) Duplicate of # XXXX, similar specific details BUT the account # differs. Status : Charged-off - ( 46 Monthly Charge offs ), Balance {$330.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX ). XXXX XXXX XXXX - ( page XXXX ) Charge Off Status -Balance {$440.00} ( XXXX Charge Off Monthly negatives ), Identical specifics as # XXXX, different account number. Date XXXX, date reported XX/XX/XXXX. Again, this Charge Off is considered income, per IRS F1099C and MUST BE DELETED! Its also OVER 7 years reporting and over 4 years of statutes of limitations. 
XXXX ). Ally Financial XXXX - ( page XXXX ) Reported as late but account status shows Paid and Closed, Disputed, account Status Not more than XXXX payments past due. {$0.00} Balance - I never received any notice per 15 USC 1666B of a late payment notice nor 15 USC 1637B No Periodic statement sent to myself regarding any LATE PAYMENTS. Please update accordingly! 
XXXX XXXX XXXX XXXX XXXXXXXX ( page XXXX ) Status : Closed/Charged off, account transferred or sold - Balance {$0.00} - Date opened XX/XX/XXXX Date Closed XXXX reported XX/XX/XXXX ( XXXX CHARGE OFF MONTHLY INACCURATE REPORTINGS ). This Information IS inaccurate, as I have disputed many times. I was in a car accident in XX/XX/XXXX AND XXXX was paid by both XXXX XXXX and XXXX  coverage in XX/XX/XXXX. Dates are furnished inconsistently and MUST be DELETED. Notated as account transferred or sold and that also is a violation. - DELETE! 
XXXXXXXX XXXX XXXX XXXX XXXX ( Page XXXX ) Balance {$310.00} Just Opened XX/XX/XXXX, reported XX/XX/XXXX, XXXX date of delinquency XX/XX/XXXX - THERE IS NO ORIGINAL ACCOUNT/CREDITOR or any information provided, as I have NO contractual agreement with this company. - INACCURATE REPORTING - MUST BE DELETED!

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