Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, XX/XX/XXXX I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3400.00}. 
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. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$9600.00}. 
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. 

XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
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. 

XXXX  XXXX  XXXX  Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative or delete this account. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1500.00}. The original creditor is XXXXXXXX XXXX XXXX. 

I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). 
Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for ''negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections XXXX and XXXX. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX. 
I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). 
Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for ''negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX  XXXX 
I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). 
Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). 
In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security XXXX. 
Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for ''negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections XXXX and XXXX. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX  XXXX XXXX  XXXX. 
I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). 
Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). 
In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for ''negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections XXXX and XXXX. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

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