Consumer complaint received 2024-11-25 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 BALANCE : {$6900.00} Reason : Its disheartening to see that this account is being inaccurately reported as charged off with an outstanding balance. I kindly ask for proof of the charge off and request that the balance be corrected to {$0.00}, or for the negative payment status to be removed. 
I am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status for this account, or, if possible, remove the negative information altogether. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Last verified : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. 
I am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. 
I am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. 

Account Name : XXXX Account Number : XXXX Reason : The current payment status of 30 days past due is incorrect, as the balance on this account is {$0.00}. I disagree with the findings of your investigation. Please provide me with the proof of your investigation and documentation of the negative payment status or remove the negative information from this account. 

Account Name : XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. 
Im saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. 


Account Name : XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. 
Im saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX BALANCE : {$0.00} Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. 
I am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. 
Im saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. 
Im saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. 
Im saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. 
Im saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. 
These items appear to be reported incorrectly or have already been resolved, and I respectfully request that they be carefully reviewed and corrected. Ive already reached out to both the credit reporting agency and the data furnisher, but the issue still persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please look into this matter as soon as possible and update my credit 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