Consumer complaint received 2024-10-22 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:
I am writing to formally dispute inaccurate information on my credit report. The following items are incorrect and are having a negative impact on my credit score : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$7400.00} BALANCE : {$0.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$2000.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it, or please remove this account. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$7400.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$2000.00} Reason : Ive never had any agreement with this debt collector. Im struggling and need clarityplease provide proof from the original creditor that they own this debt, or kindly remove this account. Thank you for understanding. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Balance : {$2200.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

Account Name : XXXXXXXX XXXX Account XXXX : XXXX Balance : {$2000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

Account Name : XXXX XXXX  Account XXXX : XXXX Balance : {$3800.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$2400.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$6000.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$9600.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$7700.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account. 
Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$5300.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account. 

Account Name XXXX XXXX  Account Number : XXXX Balance : {$37000.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$14000.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account.

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