Consumer complaint received 2024-10-14 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: CA

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 XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed my report, and it only appears on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX  Reason : This account is incorrectly reported on my credit report. I recently reviewed my report, and it only appears on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed my report, and it only appears on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

XXXX. Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Reason : Due to an unforeseen scheduling conflict, I was unable to ensure the timely payment of my account. I take full responsibility for this oversight and sincerely apologize for any inconvenience it may have caused. Since this incident, I have taken the necessary steps to ensure that all future payments are made promptly and have set up automatic payments to prevent any recurrence. 

Given my long-standing history with XXXX XXXX XXXX XXXX and my commitment to maintaining a positive credit standing, I kindly request your consideration in removing the late payment notation from my credit report. This gesture would greatly assist me in maintaining a strong credit profile and would be sincerely appreciated. 

XXXX. Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Due to an unforeseen scheduling conflict, I was unable to ensure the timely payment of my account. I take full responsibility for this oversight and sincerely apologize for any inconvenience it may have caused. Since this incident, I have taken the necessary steps to ensure that all future payments are made promptly and have set up automatic payments to prevent any recurrence. 

Given my long-standing history with XXXX XXXX XXXX XXXX and my commitment to maintaining a positive credit standing, I kindly request your consideration in removing the late payment notation from my credit report. This gesture would greatly assist me in maintaining a strong credit profile and would be sincerely appreciated. 



XXXX. Account Name : XXXX Account XXXX : XXXX Reason : This account is being reported incorrectly on my credit report. I recently checked my report, and it only appears on my XXXX account. Please provide documentation of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

XXXX. Account XXXX : XXXX Account XXXX : XXXX Reason : This account is being reported incorrectly on my credit report. I recently checked my report, and it only appears on my XXXX account. Please provide documentation of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 


These items are either reported inaccurately 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 is still unresolved. I have attached supporting documentation and screenshots of my credit report to illustrate the inaccuracies and back up my claim. Please address this matter promptly and update my credit report with accurate information.

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