Consumer complaint received 2025-01-15 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 XXXX XXXX : Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements of all payments made and missed since the account was opened. I do not agree with the investigation results and request proof of your findings. If you can not provide evidence supporting the negative payment status, I ask that you delete this information from my account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements of all payments made and missed since the account was opened. I do not agree with the investigation results and request proof of your findings. If you can not provide evidence supporting the negative payment status, I ask that you delete this information from my account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I dispute the negative payment status and history reported on this account. Please provide detailed statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I also disagree with the results of your investigation. Kindly mail me the evidence supporting your findings and the negative payment status. If you can not provide this proof, I request that the negative information be removed from this account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the negative payment status and history reported on this account. Please provide detailed statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I also disagree with the results of your investigation. Kindly mail me the evidence supporting your findings and the negative payment status. If you can not provide this proof, I request that the negative information be removed from this account. 

Account Name : XXXX AUTO Account Number : XXXX Reason : I dispute the negative payment status and history reported on this account. Please provide detailed statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I also disagree with the results of your investigation. Kindly mail me the evidence supporting your findings and the negative payment status. If you can not provide this proof, I request that the negative information be removed from this account. 



Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements of all payments made and missed since the account was opened. I do not agree with the investigation results and request proof of your findings. If you can not provide evidence supporting the negative payment status, I ask that you delete this information from my account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements of all payments made and missed since the account was opened. I do not agree with the investigation results and request proof of your findings. If you can not provide evidence supporting the negative payment status, I ask that you delete this information from my account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I dispute the negative payment status and history reported on this account. Please provide detailed statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I also disagree with the results of your investigation. Kindly mail me the evidence supporting your findings and the negative payment status. If you can not provide this proof, I request that the negative information be removed from this account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the negative payment status and history reported on this account. Please provide detailed statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I also disagree with the results of your investigation. Kindly mail me the evidence supporting your findings and the negative payment status. If you can not provide this proof, I request that the negative information be removed from this account. 

Account Name : XXXX AUTO Account Number : XXXX Reason : I dispute the negative payment status and history reported on this account. Please provide detailed statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I also disagree with the results of your investigation. Kindly mail me the evidence supporting your findings and the negative payment status. If you can not provide this proof, I request that the negative information be removed from this account. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements of all payments made and missed since the account was opened. I do not agree with the investigation results and request proof of your findings. If you can not provide evidence supporting the negative payment status, I ask that you delete this information from my account. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements of all payments made and missed since the account was opened. I do not agree with the investigation results and request proof of your findings. If you can not provide evidence supporting the negative payment status, I ask that you delete this information from my account. 

XXXX : XXXX  XX/XX/year> These items are either reported inaccurately or have already been resolved. I kindly request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 

To support my claim, Ive attached relevant documentation and screenshots of my credit report highlighting the inaccuracies. Please investigate this matter promptly and update my credit report to ensure it reflects accurate information. Thank you for your attention to this matter.

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