Consumer complaint received 2024-11-27 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: PA

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 : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. 

Account Name : XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. 





Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I believe this account is being reported incorrectly as a charged-off account with a balance due. Could you please provide proof of the charge-off, and either update the balance to {$0.00} or remove the negative payment status on this account? I do not agree with the results of your investigation. Please send me documentation of your investigation, including proof of the negative payment status, or kindly remove the negative information from this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : XXXXm really upset to see that this account is incorrectly reporting 21 late payments. According to my Experian report, there are only 10 late payments listed. This discrepancy is causing me a lot of stress, and I would appreciate it if you could look into this and help resolve the issue. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Im really frustrated and upset because I previously disputed this account with the credit bureaus, and it was deleted from my Experian report. However, XXXX never conducted an investigation and failed to remove the disputed information. This situation is really affecting me, and Im hoping for some resolution. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I contest the missed and late payments reported on this account. Could you please provide statements and records of all payments made and missed since I opened this account? I disagree with the findings of your investigation. Please send me the supporting evidence of your investigation and the negative payment status or remove the negative information from this account. 


INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 inaccurate or already resolved. Ive contacted both the credit agency and data furnisher, but the issue persists. Attached are screenshots of my credit report showing the errors. Please investigate and update my 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