Consumer complaint received 2024-10-07 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: IL

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 XXXX XXXXXXXX Account Number : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

3. Account Name : XXXX Account XXXX : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate 4. Account Name : XXXX Account XXXX : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate XXXX. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

XXXX. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate High Balance : Inaccurate XXXX. Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

XXXX. Account Name : XXXX Account Number : XXXX Reason : balance : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Creditor Type : Inaccurate These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. I have previously reached out to the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and 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