Consumer complaint received 2024-12-18 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: MD

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 Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$860.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : DPT EDXXXX Account Number : XXXX Balance {$0.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments 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. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : DPT EDXXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments 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. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : DOE XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : DEPT OF ED/XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either incorrectly reported or have already been addressed, and I request a thorough investigation and correction of the errors. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. I have attached supporting documentation and screenshots of my credit report to illustrate the inaccuracies and substantiate my claim. Please investigate this matter promptly and ensure that my credit report is updated 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