Consumer complaint received 2024-12-04 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 credit score : Account Name : XXXX Account Number : XXXX Reason : Its upsetting to see this account being reported incorrectly as charged off with a balance owed. I need you to provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status from this account. I dont agree with the results of your investigation, and it feels like no ones really listening. Please send me clear proof of your findings and the negative payment status or do the right thing and fix this mistake. 

Account Name : XXXX Account Number : XXXX Reason : XXXX really upset about the missed and late payments being reported on this account because I dont believe theyre accurate. Its stressful to see this happening, and I just want to make sure everything is correct. Please send me detailed statements and records of all the payments Ive made and any that were missed since I opened this account. I just want to understand whats going on and get this resolved. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I feel really upset and discouraged seeing the negative payment status and history listed on this account because I dont believe its accurate. This situation has been weighing on me, and I just want clarity. Please provide all the statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I need to understand how this happened so I can try to move forward. 

Account Name : XXXX Account Number : XXXX Reason : I feel really upset and discouraged seeing the negative payment status and history listed on this account because I dont believe its accurate. This situation has been weighing on me, and I just want clarity. Please provide all the statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I need to understand how this happened so I can try to move forward. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I feel really upset and discouraged seeing the negative payment status and history listed on this account because I dont believe its accurate. This situation has been weighing on me, and I just want clarity. Please provide all the statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I need to understand how this happened so I can try to move forward. 

Account XXXX : XXXX Account XXXX : XXXX Reason : Its upsetting to see this account being reported incorrectly as charged off with a balance owed. I need you to provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status from this account. I dont agree with the results of your investigation, and it feels like no ones really listening. Please send me clear proof of your findings and the negative payment status or do the right thing and fix this mistake. 

Account Name : XXXX Account Number : XXXX Reason : XXXX really upset about the missed and late payments being reported on this account because I dont believe theyre accurate. Its stressful to see this happening, and I just want to make sure everything is correct. Please send me detailed statements and records of all the payments Ive made and any that were missed since I opened this account. I just want to understand whats going on and get this resolved. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I feel really upset and discouraged seeing the negative payment status and history listed on this account because I dont believe its accurate. This situation has been weighing on me, and I just want clarity. Please provide all the statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I need to understand how this happened so I can try to move forward. 

Account Name : XXXX XXXX Account Number : XXXX Reason : XXXX really upset about the missed and late payments being reported on this account because I dont believe theyre accurate. Its stressful to see this happening, and I just want to make sure everything is correct. Please send me detailed statements and records of all the payments Ive made and any that were missed since I opened this account. I just want to understand whats going on and get this resolved. 

Account XXXX : XXXX Account XXXX : XXXX Reason : Its really heart breaking to see this account still being reported as having a balance due. On my XXXX report from XX/XX/year>, the balance is clearly listed as {$0.00}. I dont understand why this mistake hasnt been corrected, and its frustrating to have to keep addressing it. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Im really upset about the missed and late payments being reported on this account because I dont believe theyre accurate. Its stressful to see this happening, and I just want to make sure everything is correct. Please send me detailed statements and records of all the payments Ive made and any that were missed since I opened this account. I just want to understand whats going on and get this resolved. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I feel really upset and discouraged seeing the negative payment status and history listed on this account because I dont believe its accurate. This situation has been weighing on me, and I just want clarity. Please provide all the statements showing the exact past-due amounts for any missed payments and the exact date this account became negative. I need to understand how this happened so I can try to move forward. 

INQUIRIES : XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXXXX/XX/year> These items are either reported incorrectly or have already been resolved, and I kindly ask that they be thoroughly investigated and corrected. Ive already reached out to both the credit reporting agency and the data furnisher, but the issue has not been resolved. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please look into this matter as soon as possible and update my credit report to reflect 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