Consumer complaint received 2024-11-06 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: MD

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 : {$860.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 
Date of Last Activity : Inaccurate High Balance : Inaccurate Date Reported : Inaccurate Account Name : XXXX  XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the egal authority to collect it or delete this account Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. 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 Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have 40 late payments. On my Transunion report there are 0 late payments being reported. 
Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Account Name : XXXX  Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either incorrectly reported or have already been addressed, and I request a thorough investigation and correction of the errors. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. I have attached supporting documentation and screenshots of my credit report to illustrate the inaccuracies and substantiate my claim. Please investigate this matter promptly and ensure that my credit report is updated with 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