Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the following information that appears on my recent Experian report : XXXX XXXX  XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Please remove any/all late payments and negative/derogatory ratings on each closed/settled account, or mail me the proof of your investigation and proof of the negative payment status for this account, or delete this closed/settled account containing inaccurate negative/derogatory ratings with any/all late payment references. I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. 

XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Please remove any/all late payments and negative/derogatory ratings on each closed/settled account, or mail me the proof of your investigation and proof of the negative payment status for this account, or delete this closed/settled account containing inaccurate negative/derogatory ratings with any/all late payment references. I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. 

XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. Please remove any/all late payments and negative/derogatory ratings on each closed/settled account, or mail me the proof of your investigation and proof of the negative payment status for this account, or delete this closed/settled account containing inaccurate negative/derogatory ratings with any/all late payment references. I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Please remove any/all late payments and negative/derogatory ratings on each closed/settled account, or mail me the proof of your investigation and proof of the negative payment status for this account, or delete this closed/settled account containing inaccurate negative/derogatory ratings with any/all late payment references. I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. 

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. Please remove any/all late payments and negative/derogatory ratings on each closed/settled account, or mail me the proof of your investigation and proof of the negative payment status for this account, or delete this closed/settled account containing inaccurate negative/derogatory ratings with any/all late payment references. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. 

XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. Please remove any/all late payments and negative/derogatory ratings on each closed/settled account, or mail me the proof of your investigation and proof of the negative payment status for this account, or delete this closed/settled account containing inaccurate negative/derogatory ratings with any/all late payment references. I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Please remove any/all late payments and negative/derogatory ratings on each closed/settled account, or mail me the proof of your investigation and proof of the negative payment status for this account, or delete this closed/settled account containing inaccurate negative/derogatory ratings with any/all late payment references. I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation.

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 non-monetary relief