Consumer complaint received 2025-01-13 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 XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 


Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The items in question are either inaccurately reported or have already been resolved, and I am requesting a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved.

I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim.

Please investigate this matter promptly and update my credit report to ensure it reflects 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