Consumer complaint received 2024-12-10 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate information currently reflected on my credit report. The following items are erroneous and are negatively affecting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$1000.00} Reason : This account is being incorrectly reported as a charged-off account with a balance due. This error is damaging and unfair. Please provide valid proof of the charge-off, update the balance to {$0.00}, or delete the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status : Inaccurate Account Name : XXXX  Account Number : XXXX Balance : {$7400.00} Reason : This account is being incorrectly reported as a charged-off account with a balance due. This error is damaging and unfair. Please provide valid proof of the charge-off, update the balance to {$0.00}, or delete the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate XXXXAccount Name : XXXX Account Number : XXXX Balance : {$2000.00} Reason : This account is being incorrectly reported as a charged-off account with a balance due. This error is damaging and unfair. Please provide valid proof of the charge-off, update the balance to {$0.00}, or delete the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$880.00} Reason : This account is being incorrectly reported as a charged-off account with a balance due. This error is damaging and unfair. Please provide valid proof of the charge-off, update the balance to {$0.00}, or delete the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. These negative marks feel like a burden I dont deserve. Please provide detailed statements and records of every payment Ive made, and those you claim I missed, since the account was opened. All I want is fairness and a chance to move forward. 

Account Name : XXXX  Account Number : XXXX Balance : {$3900.00} Reason : This account is being incorrectly reported as a charged-off account with a balance due. This error is damaging and unfair. Please provide valid proof of the charge-off, update the balance to {$0.00}, or delete the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX  XXXX Account Number : XXXX Balance : {$2400.00} Reason : This account is being incorrectly reported as a charged-off account with a balance due. This error is damaging and unfair. Please provide valid proof of the charge-off, update the balance to {$0.00}, or delete the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector. This debt feels like a shadow I dont understand. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. All I want is clarity and peace. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector. This debt feels like a shadow I dont understand. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. All I want is clarity and peace. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector. This debt feels like a shadow I dont understand. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. All I want is clarity and peace. 

Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. These negative marks feel like a burden I dont deserve. Please provide detailed statements and records of every payment Ive made, and those you claim I missed, since the account was opened. All I want is fairness and a chance to move forward. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX These items are either reported incorrectly or have already been resolved. I request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue persists. Attached are supporting documents and screenshots of my credit report highlighting the inaccuracies. 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