Consumer complaint received 2025-01-29 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 request a comprehensive investigation and correction of several items on my credit report that appear to be either inaccurately reported or have already been resolved. I believed that my insurance company would cover these medical bills ; however, the balance on my account has not been reduced as expected. Since I was under the impression that this debt would be covered by insurance, I request that it be removed from my records. Please provide documentation explaining why this debt was not covered by insurance and why it remains on my account. If you can not provide sufficient proof, I request that you delete this debt from my credit report and all related records. 

XXXX Account Name : XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.

Account Name : XXXX XXXX Account Number : XXXX Reason : I recently discovered that this debt has been incorrectly attributed to me. I did not open this account or authorize any transactions associated with it. I believe this may be due to an error or fraudulent activity.

Account Name : XXXX XXXX  Account Number : XXXX Reason : I recently discovered that this debt has been incorrectly attributed to me. I did not open this account or authorize any transactions associated with it. I believe this may be due to an error or fraudulent activity.

Account Name : XXXX XXXX  Account Number : XXXX Reason : I recently discovered that this debt has been incorrectly attributed to me. I did not open this account or authorize any transactions associated with it. I believe this may be due to an error or fraudulent activity. Information was used to confirm its accuracy.

Account Name : XXXX XXXX Account Number : XXXX Reason : I recently discovered that this debt has been incorrectly attributed to me. I did not open this account or authorize any transactions associated with it. I believe this may be due to an error or fraudulent activity. 

XXXX  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. 

XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Reason : I recently discovered that this debt has been incorrectly attributed to me. I did not open this account or authorize any transactions associated with it. I believe this may be due to an error or fraudulent activity.

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Despite my prior attempts to resolve this matter by contacting both the credit reporting agency and the data furnisher, the issue has not been addressed, and the inaccurate information remains on my report.

These discrepancies are impacting my credit profile, and I believe they are in error. I have attached supporting documentation, including screenshots of my credit report that clearly highlight the inaccurate information and provide evidence to support my dispute.

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