Consumer complaint received 2024-11-21 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 incorrect information listed on my credit report. The following items are inaccurate and are negatively affecting my credit score : Account Name : XXXX Account Number : XXXX balance : {$4200.00} Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : Inaccurate Account Name : XXXX Account XXXX balance : {$1500.00} Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX balance : {$1900.00} Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 
Last Verified : Inaccurate Closed Date : Inaccurate Date reported : Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$10000.00} Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 
Last verified : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account Name : XXXX XXXX Account XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account Account Name : XXXX  Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : balance : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with your agency or the original creditor regarding this debt. I request that you provide documentation from the original creditor proving that you legally own this debt and have the authority to collect it. If you are unable to provide this proof, I ask that you delete this account from my records. 

Account XXXX : XXXX Account XXXX : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated Account Name : XXXX Account Number : XXXX Reason : Ive noticed that this account is being reported multiple times on my credit report with the same creditor and open date. This error is causing unnecessary harm to my credit. Please remove this mistake and any negative information related to it immediately. I also disagree with the results of your investigation. Please provide proof of your investigation and the negative payment status or delete the negative information from my account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account XXXX : XXXX Account XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account Name : XXXX XXXX  XXXX Account XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account XXXX : XXXX Account XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with your agency or the original creditor regarding this debt. I request that you provide documentation from the original creditor proving that you legally own this debt and have the authority to collect it. If you are unable to provide this proof, I ask that you delete this account from my records. 


Account Name : XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply troubled to see that this account is incorrectly reporting an outstanding balance. According to my XXXX report from XX/XX/year>, the balance due is listed as {$0.00}. This mistake is causing me unnecessary stress and affecting my credit, despite my efforts to keep my finances in order. I do not agree with the results of your investigation and feel this error has not been addressed properly. Please send me the proof of your investigation and evidence of the negative payment status for this account or kindly remove the incorrect information from my records. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Im distressed to see this account incorrectly reporting two late payments when my Experian report shows none. This mistake is deeply troubling as Ive always worked hard to maintain a good payment history, and its negatively impacting my credit. Please correct this error and update my records as soon as possible. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with your agency or the original creditor regarding this debt. I request that you provide documentation from the original creditor proving that you legally own this debt and have the authority to collect it. If you are unable to provide this proof, I ask that you delete this account from my records. 

These items are either inaccurate or have been resolved, and I request they be investigated and corrected. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Ive attached documentation, including screenshots of my credit report, to support my claim. Please update my credit report with the correct 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