Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10878608
Complaint Overview
Complaint ID: 10878608
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Illinois
ZIP Code: 629XX
Date Received: 2024-11-20T12:00:00-05:00
Date Sent to Company: 2024-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I believe this account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off and negative payment status, or remove the negative information from this account. Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I have no contract with this debt collector regarding this debt. Please provide evidence from the original creditor that this collector owns the debt and has the legal right to collect it, or delete this account. Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I have never had any agreement with this debt collector regarding this debt. Please provide proof from the original creditor confirming that this collector owns the debt and has the legal right to collect it, or remove this account. Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. Last Verified : Inaccurate Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I have never had any agreement with this debt collector regarding this debt. Please provide proof from the original creditor confirming that this collector owns the debt and has the legal right to collect it, or remove this account. Date of Last Activity : Inaccurate Closed Date : Inaccurate Last Verified : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. Date of Last Activity : Inaccurate Closed Date : Inaccurate Last Verified : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply concerned as I have never entered into any agreement with this debt collector regarding this debt. I urgently request that you provide undeniable proof from the original creditor that this collector legally owns the debt and has the right to pursue it. If such proof can not be provided, I expect this account to be removed immediately, as this situation is causing me significant distress. Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : It is incredibly troubling to me that this debt collector is involved with this account, as I have never entered into any agreement with them. I urgently request proof from the original creditor confirming that this collector legally owns the debt and has the right to collect it. If such proof can not be provided, I demand that this account be removed immediately, as this is causing me significant stress and concern. Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I have found an inaccuracy on my credit report regarding this account, which appears only on my XXXX report. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. Account Name : XXXX Account Number : XXXX Reason : I am deeply concerned as I have never entered into any agreement with this debt collector regarding this debt. I urgently request that you provide undeniable proof from the original creditor that this collector legally owns the debt and has the right to pursue it. If such proof can not be provided, I expect this account to be removed immediately, as this situation is causing me significant distress. Date of Last Activity : Inaccurate Closed Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : It is incredibly troubling to me that this debt collector is involved with this account, as I have never entered into any agreement with them. I urgently request proof from the original creditor confirming that this collector legally owns the debt and has the right to collect it. If such proof can not be provided, I demand that this account be removed immediately, as this is causing me significant stress and concern. Date of Last Activity : Inaccurate Closed Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have found an inaccuracy on my credit report regarding this account, which appears only on my XXXX report. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report with accurate information.
Frequently Asked Questions
What is Complaint #10878608 about?
Complaint #10878608 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-11-20T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.