Consumer complaint received 2024-10-22 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 XXXX XXXX : XXXX. Account XXXX : XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my XXXX account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close date : Inaccurate Creditor Type : Inaccurate XXXX. Account XXXX : XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my XXXX account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Last Verified : Inaccurate XXXX. Account XXXX : XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my XXXX account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Creditor Type : Inaccurate Last Verified : Inaccurate XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my XXXX account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 

XXXX. Account XXXX : XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my XXXX account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 

XXXX. Account XXXX : XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close date : Inaccurate Creditor Type : Inaccurate XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my Experian account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Last Verified : Inaccurate XXXX. Account XXXX : XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my Experian account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Creditor Type : Inaccurate Last Verified : Inaccurate XXXX. Account Name XXXX XXXX XXXX I Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my Experian account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 

XXXX. Account XXXX : XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my XXXX account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close date : Inaccurate Creditor Type : Inaccurate XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my XXXX account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Last Verified : Inaccurate XXXX. Account XXXX : XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my XXXX account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Creditor Type : Inaccurate Last Verified : Inaccurate XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report and noticed that it is only reported on my XXXX account. Please provide proof of the charge-off and update the balance to {$XXXX} or remove the negative payment status associated with this account. 

These items are either incorrectly reported or have already been addressed, and I ask that they be thoroughly examined and corrected. I've already reached out to the credit reporting agency and the data furnisher, but the issue persists. I've included supporting documentation and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please look into this matter promptly 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