Consumer complaint received 2024-10-23
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. (MS)

I am disputing these items due to the significant impact of XXXX and related health issues that hindered my ability to manage my finances effectively. This challenging period has resulted in inaccuracies on my credit report, which have added to my stress and concern. I respectfully request a thorough review of these items and an update to my credit report to accurately reflect my current situation. Your understanding and support in resolving this matter mean a great deal to me. Thank you for your attention. 

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 : XXXXXXXX XXXX  Account Number : XXXX Reason : balance : 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 Account Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my XXXX account. 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 XXXX Account Number : XXXX Reason : balance : 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 Account Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : 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 Account Type : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : balance : 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 Type : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my XXXX account. 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 XXXX  XXXX Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my XXXX account. 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 XXXX Account Number : XXXX Reason : balance : 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 High Balance : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : 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 Account Name : XXXX XXXX Account XXXX : XXXX Reason : balance : 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 Account Name : XXXX XXXX Account Number : XXXX Reason : balance : 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 Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my XXXX account. 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 XXXX : XXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed on my Experian account. 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 : XXXXXXXX XXXX  Account Number : XXXX Reason : balance : 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 Creditor Type : Inaccurate Account Name : XXXX  XXXX XXXX, XXXX. 
Account Number : XXXX Reason : balance : 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 Creditor Type : Inaccurate Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : balance : 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 Creditor Type : Inaccurate Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : balance : 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 Creditor Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : balance : 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 Creditor Type : Inaccurate Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : balance : 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 Creditor Type : Inaccurate Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : balance : 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 Creditor Type : Inaccurate Account Name XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : balance : 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 Creditor Type : Inaccurate These items are either inaccurately reported or have already been resolved, and I sincerely request a thorough investigation and correction. I have reached out to both the credit reporting agency and the data furnisher, but unfortunately, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, to clearly illustrate the inaccuracies and support my claim. I appreciate your attention to this matter and kindly ask for a prompt investigation and update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your understanding.