Consumer complaint received 2025-03-13 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: MS

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 : XXXXXXXX XXXX  Account Number : XXXX Reason : I respectfully disagree with the negative payment status and history listed on this account. Its disheartening to see this, and I kindly request that you provide all statements showing the exact past due amounts of any missed payments, as well as the exact date this account became negative Account Name : XXXX XXXX Account Number : XXXX Reason : Im really disappointed to find that, despite previously disputing this account with the credit bureaus, it was deleted from my XXXX report, yet XXXX failed to conduct an investigation and remove the disputed information. Its disheartening to see this unresolved. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I respectfully disagree with the negative payment status and history listed on this account. Its disheartening to see this, and I kindly request that you provide all statements showing the exact past due amounts of any missed payments, as well as the exact date this account became negative. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I respectfully disagree with the negative payment status and history listed on this account. Its disheartening to see this, and I kindly request that you provide all statements showing the exact past due amounts of any missed payments, as well as the exact date this account became negative Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : This account is incorrectly reporting five late payments, while my XXXX report only shows three. This inconsistency is concerning and could negatively impact my credit. I do not agree with the results of your investigation. Please provide proof of your investigation and verification of this negative payment status. If you can not provide accurate records, I request that you remove the incorrect information immediately. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply upset by the negative payment history on this account. I have always tried to stay on top of my finances, and these reported late and missed payments feel unfair. I formally dispute these claims and request all records of payments made and missed since I opened the account. I also disagree with your investigation resultsplease mail me proof of your findings and verification of this negative status. If you can not provide this, I ask that you remove the negative record immediately. This situation has been extremely stressful, and I need clarity and fairness. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply upset by the negative payment history on this account. I have always tried to stay on top of my finances, and these reported late and missed payments feel unfair. I formally dispute these claims and request all records of payments made and missed since I opened the account. I also disagree with your investigation resultsplease mail me proof of your findings and verification of this negative status. If you can not provide this, I ask that you remove the negative record immediately. This situation has been extremely stressful, and I need clarity and fairness. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. I have already contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are supporting documents, 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