Consumer complaint received 2025-01-24 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 Balance : {$0.00} Reason : I dispute the missed and late payments reported on this account. Due to a difficult situation, some important documents, including my ID, were missing, which contributed to the confusion and delays. This has been an incredibly stressful time for me, and I am doing everything I can to get back on track. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand what happened and resolve this issue. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. Due to a difficult situation, some important documents, including my ID, were missing, which contributed to the confusion and delays. This has been an incredibly stressful time for me, and I am doing everything I can to get back on track. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand what happened and resolve this issue. 

Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. Due to a difficult situation, some important documents, including my ID, were missing, which contributed to the confusion and delays. This has been an incredibly stressful time for me, and I am doing everything I can to get back on track. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand what happened and resolve this issue. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$470.00} Reason : This account is incorrectly being reported as charged off with a balance due, which has caused me a great deal of distress during an already difficult time. I am struggling with financial and personal challenges, and this mistake only adds to my burden. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status associated with this account. You're understanding and prompt attention to this matter would mean a lot to me right now. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed and late payments reported on this account. Due to a difficult situation, some important documents, including my ID, were missing, which contributed to the confusion and delays. This has been an incredibly stressful time for me, and I am doing everything I can to get back on track. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand what happened and resolve this issue. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed and late payments reported on this account. Due to a difficult situation, some important documents, including my ID, were missing, which contributed to the confusion and delays. This has been an incredibly stressful time for me, and I am doing everything I can to get back on track. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand what happened and resolve this issue. 

Account Name : XXXX Account Number : XXXX Balance : {$470.00} Reason : This account is incorrectly being reported as charged off with a balance due, which has caused me a great deal of distress during an already difficult time. I am struggling with financial and personal challenges, and this mistake only adds to my burden. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status associated with this account. You're understanding and prompt attention to this matter would mean a lot to me right now. 


Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed and late payments reported on this account. Due to a difficult situation, some important documents, including my ID, were missing, which contributed to the confusion and delays. This has been an incredibly stressful time for me, and I am doing everything I can to get back on track. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand what happened and resolve this issue. 

Account Name : XXXX XXXX  Account XXXX Reason : I never had a contract with this debt collector for any debt. It appears that my identity was used without my knowledge or consent, and this situation has caused me significant distress. I am already struggling with the aftermath of this, and this debt is an additional burden I do not deserve. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account entirely. You're understanding and prompt attention to this matter would help relieve some of the stress I am currently facing. 

Account Name : XXXX XXXX  Account XXXX Reason : I never had a contract with this debt collector for any debt. It appears that my identity was used without my knowledge or consent, and this situation has caused me significant distress. I am already struggling with the aftermath of this, and this debt is an additional burden I do not deserve. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account entirely. You're understanding and prompt attention to this matter would help relieve some of the stress I am currently facing. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. It appears that my identity was used without my knowledge or consent, and this situation has caused me significant distress. I am already struggling with the aftermath of this, and this debt is an additional burden I do not deserve. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account entirely. You're understanding and prompt attention to this matter would help relieve some of the stress I am currently facing. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. It appears that my identity was used without my knowledge or consent, and this situation has caused me significant distress. I am already struggling with the aftermath of this, and this debt is an additional burden I do not deserve. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account entirely. You're understanding and prompt attention to this matter would help relieve some of the stress I am currently facing. 


Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. It appears that my identity was used without my knowledge or consent, and this situation has caused me significant distress. I am already struggling with the aftermath of this, and this debt is an additional burden I do not deserve. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account entirely. You're understanding and prompt attention to this matter would help relieve some of the stress I am currently facing. 

Account Name : XXXX XXXX XXXXccount Number : XXXX Reason : I never had a contract with this debt collector for any debt. It appears that my identity was used without my knowledge or consent, and this situation has caused me significant distress. I am already struggling with the aftermath of this, and this debt is an additional burden I do not deserve. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account entirely. You're understanding and prompt attention to this matter would help relieve some of the stress I am currently facing. 



Account Name : XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. It appears that my identity was used without my knowledge or consent, and this situation has caused me significant distress. I am already struggling with the aftermath of this, and this debt is an additional burden I do not deserve. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account entirely. You're understanding and prompt attention to this matter would help relieve some of the stress I am currently facing. 

Account Name : XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. It appears that my identity was used without my knowledge or consent, and this situation has caused me significant distress. I am already struggling with the aftermath of this, and this debt is an additional burden I do not deserve. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account entirely. You're understanding and prompt attention to this matter would help relieve some of the stress I am currently facing. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. It appears that my identity was used without my knowledge or consent, and this situation has caused me significant distress. I am already struggling with the aftermath of this, and this debt is an additional burden I do not deserve. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account entirely. You're understanding and prompt attention to this matter would help relieve some of the stress I am currently facing. 


INQUIRIES : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. Despite my efforts in 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, which highlight the inaccurate information and support my claim. Please investigate this matter promptly and update my credit report to reflect 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