Consumer complaint received 2025-01-20 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 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 : {$1000.00} Reason : This account is incorrectly being reported as charged off with a balance due, and its deeply concerning. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status. I do not agree with the results of your investigation. Please send me proof of your findings and the negative payment status or delete this inaccurate information from my account. This situation has been stressful, and I hope for a swift resolution. 

Account Name : XXXX Account Number : XXXX Balance : {$7400.00} Reason : This account is incorrectly being reported as charged off with a balance due, and its deeply concerning. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status. I do not agree with the results of your investigation. Please send me proof of your findings and the negative payment status or delete this inaccurate information from my account. This situation has been stressful, and I hope for a swift resolution. 

Account Name : XXXX Account Number : XXXX Balance : {$2000.00} Reason : This account is incorrectly being reported as charged off with a balance due, and its deeply concerning. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status. I do not agree with the results of your investigation. Please send me proof of your findings and the negative payment status or delete this inaccurate information from my account. This situation has been stressful, and I hope for a swift resolution. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$880.00} Reason : This account is incorrectly being reported as charged off with a balance due, and its deeply concerning. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status. I do not agree with the results of your investigation. Please send me proof of your findings and the negative payment status or delete this inaccurate information from my account. This situation has been stressful, and I hope for a swift resolution. 

Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account, as they dont accurately reflect my payment history. Please provide statements and records of all payments made and missed since I opened this account. I disagree with the results of your investigation. Please send me proof of your findings and the negative payment status or remove the inaccurate information from my report. This issue has been stressful, and I hope for a quick resolution. 

Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account, as they dont accurately reflect my payment history. Please provide statements and records of all payments made and missed since I opened this account. I disagree with the results of your investigation. Please send me proof of your findings and the negative payment status or remove the inaccurate information from my report. This issue has been stressful, and I hope for a quick resolution. 


Account Name : XXXX  Account Number : XXXX Balance : {$3900.00} Reason : This account is incorrectly being reported as charged off with a balance due, and its deeply concerning. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status. I do not agree with the results of your investigation. Please send me proof of your findings and the negative payment status or delete this inaccurate information from my account. This situation has been stressful, and I hope for a swift resolution. 

Account Name : XXXX  XXXX Account Number : XXXX Balance : {$2400.00} Reason : This account is incorrectly being reported as charged off with a balance due, and its deeply concerning. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status. I do not agree with the results of your investigation. Please send me proof of your findings and the negative payment status or delete this inaccurate information from my account. This situation has been stressful, and I hope for a swift resolution. 


Account Name : XXXX XXXX  Account Number : XXXX Balance : {$2500.00} Reason : I have never had a contract with this debt collector, and I request proof from the original creditor that they own the debt and have the legal authority to collect it. If no proof is provided, please delete this account. 
I disagree with the results of your investigation. Please send me proof of your findings and confirmation of the debt collectors legal right to collect or remove this account from my report. This situation has caused me significant distress, and I hope for a prompt resolution. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$1400.00} Reason : I have never had a contract with this debt collector, and I request proof from the original creditor that they own the debt and have the legal authority to collect it. If no proof is provided, please delete this account. 
I disagree with the results of your investigation. Please send me proof of your findings and confirmation of the debt collectors legal right to collect or remove this account from my report. This situation has caused me significant distress, and I hope for a prompt resolution. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector. Please provide proof from the original creditor that they own the debt and have the legal right to collect it or delete this account. 
I disagree with your investigation results. Please send me proof of your findings and confirmation of the debt collectors right to collect or remove this account.

These items are either inaccurately reported 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 remains unresolved. Attached are supporting documents, including screenshots of my credit report, highlighting the inaccuracies and supporting my claim. Please investigate this matter promptly and update my credit report to reflect 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