Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
XXXX Account- The following issues need to be reviewed and corrected : Account Status : According to the payment history for the account, there are multiple months marked as CO ( which I assume refers to " charged off '' or " collections '' ). I believe that some of these marks are either incorrect or do not accurately reflect the status of my payments. I request a thorough review of the payment history for the months listed as potentially negative ( XX/XX/XXXX XX/XX/XXXX ). 
Balance Updates : I noticed that the balance is showing as {$15000.00}, which I understand is 58 % of the original loan balance of {$37000.00}. Please provide detailed information about any charges or adjustments made to this balance and verify that this balance is accurate. 
Date of Last Update : The account was last updated on XX/XX/XXXX, but I believe there are discrepancies regarding the timing and reporting of payments. Kindly confirm that all updates, adjustments, and payment dates are accurately reflected according to my records. 
XXXX XXXX This was to be paid by gap insurance. Please remove Account Status : Closed Disputed Item : Charged-off status and reported payment history Balance : {$1200.00} past due ( as of XX/XX/XXXX ) Status Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX I am disputing the following aspects of the account : Charged-Off Status : The account is marked as charged off with a balance of {$1200.00} past due. However, I believe this charge-off status may not be accurate or reflective of the true payment status or account history. I request verification of this charge-off and clarification on how this was determined. 
Payment History : The account shows a series of potentially negative months marked as CO ( charged off ) from XX/XX/XXXX to XX/XX/XXXX. These reported months, especially the indication of charged off status, appear to be inaccurate, and I ask that they be reviewed and corrected if necessary. 
Past Due Amount : I request confirmation that the balance of {$1200.00} is correct and any information about additional charges or adjustments to this balance. 

Original Creditor : XXXX XXXX XXXX Account Status : Collection account Balance : {$1500.00} ( past due as of XX/XX/XXXX ) Status Updated : XX/XX/XXXX Account Opened : XX/XX/XXXX The following items are being disputed : Collection Status : The account has been reported as a collection account with a balance of {$1500.00}. I am requesting verification of this debt, as I believe this may be inaccurate or incomplete. 
Payment History : I have noted that the payment history includes entries marked as " C '' for the months of XXXX and XXXX, which I believe may not accurately reflect the status of my account or payments made. I request a full review of the payment history and validation of these entries. 
Account Status : The account was updated in XX/XX/XXXX, but I request further clarification regarding any updates or actions taken on this account since then. 
Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft.Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments.Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. As a consumer, I am demanding the deletion of the account below. I have not received a 1099c form for the following accounts that are reporting profit loss and charged off. I would like to see compensation as I have disputed this numerous times and my rights have been ignored. THIS IS FRAUD XXXX XXXX {$15000.00} reporting charge off XXXX days late profit and loss write off XXXX {$32000.00} inaccurate, reporting charge off XXXX days late paid profit and loss XXXX  XXXX XXXX  reporting 30-59 days late reflects 100 % payments made ontime remove XXXX days late XXXX- reporting charge off XXXX days late, paid profit and loss XXXX- {$500.00} reporting charge off 120 days late, paid profit and loss As a consumer, I am demanding the deletion of the accounts below.

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