Consumer complaint received 2025-02-11 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  Account Number : XXXX Reason : I am formally disputing the missed and late payment records reported on my account XXXX. After reviewing my credit report, I found negative marks that I believe to be inaccurate or improperly reported. To verify the accuracy of this information, I request a complete record of all payments made and missed on this account since its opening. Please provide copies of account statements, payment histories, and any documentation used to support the reported negative payment status. If an investigation has already been conducted, I request the specific proof used to validate these claims. If you are unable to provide clear and verifiable documentation confirming the accuracy of these late or missed payments, I formally request that you remove them from my credit report immediately. Unverified or inaccurate information should not remain on my record, as it unfairly impacts my credit standing. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I disagree with the negative payment status and history reported on this account. I request copies of all statements detailing any past due amounts, including the exact dates each payment was missed and when the account was first reported as negative. Additionally, I do not agree with the results of your investigation. Please provide all documentation used to verify the accuracy of the negative payment status. If you can not provide definitive proof supporting these claims, I request that you immediately remove the negative information from my account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I disagree with the negative payment status and history reported on this account. I request copies of all statements detailing any past due amounts, including the exact dates each payment was missed and when the account was first reported as negative. Additionally, I do not agree with the results of your investigation. Please provide all documentation used to verify the accuracy of the negative payment status. If you can not provide definitive proof supporting these claims, I request that you immediately remove the negative information from my account. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : I am formally disputing the missed and late payment records reported on my account XXXX. After reviewing my credit report, I found negative marks that I believe to be inaccurate or improperly reported. To verify the accuracy of this information, I request a complete record of all payments made and missed on this account since its opening. Please provide copies of account statements, payment histories, and any documentation used to support the reported negative payment status. If an investigation has already been conducted, I request the specific proof used to validate these claims. If you are unable to provide clear and verifiable documentation confirming the accuracy of these late or missed payments, I formally request that you remove them from my credit report immediately. Unverified or inaccurate information should not remain on my record, as it unfairly impacts my credit standing. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I am formally disputing the missed and late payment records reported on my account XXXX. After reviewing my credit report, I found negative marks that I believe to be inaccurate or improperly reported. To verify the accuracy of this information, I request a complete record of all payments made and missed on this account since its opening. Please provide copies of account statements, payment histories, and any documentation used to support the reported negative payment status. If an investigation has already been conducted, I request the specific proof used to validate these claims. If you are unable to provide clear and verifiable documentation confirming the accuracy of these late or missed payments, I formally request that you remove them from my credit report immediately. Unverified or inaccurate information should not remain on my record, as it unfairly impacts my credit standing. 

Account Name : XXXX  Account Number : XXXX Reason : I am formally disputing the missed and late payment records reported on my account XXXX. After reviewing my credit report, I found negative marks that I believe to be inaccurate or improperly reported. To verify the accuracy of this information, I request a complete record of all payments made and missed on this account since its opening. Please provide copies of account statements, payment histories, and any documentation used to support the reported negative payment status. If an investigation has already been conducted, I request the specific proof used to validate these claims. If you are unable to provide clear and verifiable documentation confirming the accuracy of these late or missed payments, I formally request that you remove them from my credit report immediately. Unverified or inaccurate information should not remain on my record, as it unfairly impacts my credit standing. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I disagree with the negative payment status and history reported on this account. I request copies of all statements detailing any past due amounts, including the exact dates each payment was missed and when the account was first reported as negative. Additionally, I do not agree with the results of your investigation. Please provide all documentation used to verify the accuracy of the negative payment status. If you can not provide definitive proof supporting these claims, I request that you immediately remove the negative information from my account. 

Account Name : XXXX, XXXX. 
Account Number : XXXX Reason : I disagree with the negative payment status and history reported on this account. I request copies of all statements detailing any past due amounts, including the exact dates each payment was missed and when the account was first reported as negative. Additionally, I do not agree with the results of your investigation. Please provide all documentation used to verify the accuracy of the negative payment status. If you can not provide definitive proof supporting these claims, I request that you immediately remove the negative information from my account. 
INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I believe these items are either reported incorrectly or have already been resolved, and Im requesting a thorough investigation and correction.

Ive already contacted the credit reporting agency and the data furnisher, but the issue still hasnt been resolved. Ive attached supporting documents, including screenshots of my credit report, to highlight the errors and support my claim. 
Please review this matter as soon as possible 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