Consumer complaint received 2024-12-12 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: PA

Complaint 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  XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account, as they do not reflect my payment history. Please provide all statements and records of payments since I opened this account. I disagree with the results of your investigation and request proof supporting the negative payment status. If no such proof exists, please delete this damaging information. 

Account Name : XXXX Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 


Account Name : XXXX  Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are inaccurately reported or should have already been resolved, yet they remain on my record. Ive tried everything reaching out to the credit reporting agency and the data furnisher but the issue still haunts me. 
Ive attached all the proof I have documents, screenshots, everything showing the errors on my credit report. Please, I ask that you thoroughly investigate this and correct the mistakes. This has weighed on me for so long. I just want my credit report to reflect the truth.

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