Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} - * * Violations : * * - FCRA 611 Continued reporting after resolved dispute - FCRA 609 No contract or legal verification - FDCPA 809 No debt validation provided 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} - * * Violations : * * - FCRA 623 Inaccurate status as dispute resolved despite disagreement - FDCPA 809 No signed contract or debt validation - FCRA 611 Charge-off not properly investigated 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ( previously charged off ) - * * Violations : * * - FCRA 611 Derogatory mark despite payment - FDCPA 809 Dispute resolved without validation - FCRA 623 Failure to correct reporting after dispute 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ( Paid charge-off ) - * * Violations : * * - FCRA 611 Derogatory despite payment - FDCPA 809 No proof of debt legitimacy - FCRA 609 No contract provided 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ( Paid collection ) - * * Violations : * * - FCRA 611 Continued negative history despite resolution - FDCPA 809 No debt validation - FCRA 623 Late reporting beyond legal window 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} - * * Violations : * * - FCRA 611 Multiple charge-offs and re-aging behavior - FDCPA 809 No validation of amount or legal authority - FCRA 623 Misleading balance vs charge-off status 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} - * * Violations : * * - FCRA 611 Government overpayment placed in collection without consent - FDCPA 809 No notice or contract issued - FCRA 609 Missing original obligation and itemization 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - * * Violations : * * - FCRA 611 Incorrectly coded as canceled by credit grantor - FCRA 623 Inconsistent reporting and incomplete payment data - FCRA 609 No validation of the derogatory history or original agreement XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - * * Violations : * * - FCRA 611 Account reported late prior to closure with no documentation - FCRA 609 No original loan documents provided - FCRA 623 Inconsistent aging and misclassification of payment data You are hereby notified that within * * 30 days * * of receiving this notice, the credit reporting agencies and furnishers must : - Delete all unverified, inaccurate, or misleading data * * OR * * - Provide full documentation including : - Original signed contracts - Complete payment history - Proof of ownership or assignment - Full validation as required by law Failure to comply will result in : - Formal complaints to the * * CFPB, FTC, State Attorney General * *, and * * legal counsel * * - Possible lawsuits under FCRA 616 and FDCPA 813 for damages and statutory penalties 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