Consumer complaint received 2024-11-05 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: MS

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 : 1. 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 under 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. 

2. 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 under 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. 

XXXX. 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 under 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. 

4. 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 under 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. 

5. 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 under 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. 

6. 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 under 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. 

7. Account Name : 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 under 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. 

1.Account Name : XXXX XXXX  Account NumberXXXX Reason : This account is being reported inaccurately on my credit report. I recently reviewed my credit report and noticed it is only listed under 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. 

2. 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 under 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. 

3. Account Name : XXXX XXXX XXXXXXXX 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 under 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. 

4. 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 under 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. 

5. Account Name : 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 under 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. 

6. 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 under 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. 

7. Account Name : 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 under 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. 

8. Account Name : 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 under 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. 

9. Account Name : 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 under 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. 

INQUIRIES : XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XXXXXX/XX/year> I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.

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