Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian ID NUMBER : XXXX XXXX XXXX for the charge-off account, I need you to start a new investigation regarding the account listed below : XXXX. Account : Reason : Instruction : XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX. XXXX XXXX Account XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$280.00} XXXX updated XX/XX/XXXX XXXX. Account name XXXX XXXX XXXXXXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX. Account name XXXX XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment {$35.00} as of XX/XX/XXXX Monthly XXXX {$35.00} Credit limit {$720.00} I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate. Please follow the law ( FCRA XXXX ( a ) ( XXXX ) Ability of Consumer to Dispute Information Directly with Furnisher ) and update me with new corrections on the above account within XXXX  days. 



XXXX Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$50.00} written off. {$50.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Why have you sent me insufficient proof regarding the debt above? What you sent me does not prove that I owe this debt. What happened to the following list of information that I requested. 

( XXXX ). Proof that you either own or were assigned the debt from the creditor. 

( XXXX ). Proof that you have the right to collect this debt in my state. 

( XXXX ). Proof that your company carries a bond. 

( XXXX ). Proof of how your company assessed the outstanding debt. 

( XXXX ). Payment history from the original creditor. 

( XXXX ). Name and address from the original creditor. 

( XXXX ). Copy of the original contract bearing my signature. 

( XXXX ). Chain of title on this debt. 

( XXXX ). Proof that you can collect this debt from me. 

( XXXX ). Do you own or is this debt assigned? 

( XXXX ) .Copies of all letters sent to me from you and the original creditor regarding this debt. 

( XXXX ). How much did you buy the debt for? 

( XXXX ). When was the last time a payment was made on this debt? 

( XXXX ). What fees/interest were tacked onto the debt? 

( XXXX ). How were the fees determined? 

Since you have not sent me valid proof, your collection efforts must stop or be placed on hold until you can prove that this debt belongs to me. You must DELETE this account at once. If you fail to place collection activity on hold, you will be in violation of the XXXX, and I will hold your company accountable. This account is in dispute and you must freeze your collection activity. 

In addition to stopping all collection activity on this account, please do not contact me by phone or by mail. You can only contact me mail to let me know that you have deleted the above account. 

I will be checking my credit report in the next 10 days, and if this account is not deleted due to your failure to properly validate, I will seek legal advice to enforce my rights and file complaints with the CFPB.

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