Consumer complaint received 2024-10-15 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 Because during the pandemic, I faced serious XXXX  issues that took a toll on my job and my finances. As I fought to recover, bills piled up and I fell behind, leading to collections and late payments on my credit report. Each mark feels like a weight on my heart, but Im determined to rise above this and rebuild my life. 

1. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : inaccurate 2. Account Name : XXXX Account Number : XXXX Reason : Ths account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : inaccurate 3. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : inaccurate 4. Account Name : XXXX Account Number : XXXX This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

5. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : Inaccurate 6. Account Name : XXXX Account Number:XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Close date : Inaccurate 7. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Close date : Inaccurate 8. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

9.Account Name : XXXX XXXX Account NumberXXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
delete this account 10. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate 11. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date Reported : Inaccurate 12. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate 13. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate 14. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my report and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

1. Account Name : XXXX XXXX XXXX  Account Number : Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : inaccurate 2. Account Name : XXXX XXXX  Account XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : inaccurate 3. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : inaccurate 4. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : inaccurate 5. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate 6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate 7. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

8. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Close date : Inaccurate 9. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date Reported : Inaccurate 10. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

11. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

12. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate 13. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This account is incorrectly reported on my credit report. I recently reviewed it and found that it only appears on my Experian account. Please provide evidence of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date Reported : Inaccurate 1. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : inaccurate 2. Account Name : XXXX - XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : inaccurate 3. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

4. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Close date : Inaccurate 5. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Close date : Inaccurate 7. Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate 8. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

9. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : inaccurate 10. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate 11. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate 12. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

13. Account Name : XXXX & XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed it and noticed it only appears on my XXXX account. Please provide documentation for the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date Reported : Inaccurate These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and 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