Consumer complaint received 2024-10-25 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 : 1. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

3. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

4. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

5. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

6. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

7. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

8. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

9. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

3. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

4. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

5. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

7. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

8. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

9. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

10. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

11. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

3. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

4. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

5. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

6. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

7. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

8. Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

9.Account Name XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

10. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

These items have either been misreported or have already been settled, and I ask that you investigate and rectify them thoroughly. I have reached out to both the credit reporting agency and the data furnisher, but the issue is still unresolved. I have included supporting documentation and screenshots of my credit report to illustrate the inaccuracies and back up my claim. Please look into this matter quickly and 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