Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
this is a list of accounts that are reporting inaccurately on my report some are collection which per the IRS considers to be income which can not be reported on my credit report i also have not received a XXXX from any of these companies. XXXX Experian XXXX XXXX have failed to provide a thorough investigation before reporting these inaccuracies please rectify this situation and have all items removed immediately XXXX Account # XXXX High Balance {$600.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$600.00} Closed Date XX/XX/XXXX Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Miscellaneous Banks Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Charged off as bad debt Profit and loss write-off Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount {$600.00} Account Type Credit Card Payment XXXX XXXX XXXX {$400.00} Experian Account XXXX XXXX High Balance {$0.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$600.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Bank Credit Cards Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount {$600.00} Account XXXX Credit Card XXXX XXXX XXXX XXXX {$400.00} XXXX High Balance {$600.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$600.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type National Credit Card Companies Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Charged off account Credit card Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$600.00} Account Type Credit Card XXXX XXXX XXXX XXXX {$0.00} CB/EXPRESS Filters XXXX Experian XXXX XXXX Experian XXXX Account XXXX XXXX XXXX XXXX High Balance {$1400.00} {$0.00} {$1400.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$0.00} {$0.00} {$0.00} Closed Date XX/XX/XXXX -- -- Account Rating Paid Paid Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Women 's Apparel General Clothing Store Specialty Clothing Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Payment after charge off/collection Canceled by credit grantor Account has been closed due to inactivity.

Unpaid balance reported as a loss by credit grantor. 
Paid charge off Accounts closed by XXXX XXXX Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Charge account Charge account Payment Frequency Credit Limit {$1100.00} {$1100.00} {$0.00} XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance {$80.00} {$80.00} {$80.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$80.00} {$80.00} {$80.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Cellular XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Closed Closed Open Payment Status Collection/Chargeoff Collection/Chargeoff Late 120 Days Creditor Remarks XXXX Account XXXX for XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit XXXX 's internal collection department. 
Collection account Telecommunications/cellular Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment -- -- XX/XX/XXXX Term Length -- 1 Month ( XXXX ) -- Past Due Amount {$80.00} {$80.00} {$80.00} Account Type XXXX XXXX XXXX XXXX XXXX XXXX review, or collection Collection Payment Frequency Credit XXXX {$0.00} {$0.00} {$0.00} XXXX Filters XXXX Experian XXXX XXXX Experian XXXX Account XXXX XXXX XXXX XXXX High Balance {$3100.00} {$3100.00} {$3700.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$3700.00} {$3700.00} {$3700.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Sales Financing Personal Loan Companies Personal Loan Companies Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX a loss by the XXXX XXXX. 
Charged off account Amount in high credit original charge-off amount Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment -- -- XX/XX/XXXX Term Length 33 Month ( XXXX ) 33 Month ( XXXX ) 33 Month ( XXXX ) Past Due Amount {$3700.00} {$3700.00} {$3700.00} Account Type Unsecured loan Unsecured loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00}

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