Consumer complaint received 2024-10-31 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 : XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : I previously disputed this account, stating, " I dispute the missed and late payments. Please provide statements of all payments since I opened this account ''. I disagree with your investigation results. Please send proof of your findings or remove the negative information from this account. 

XXXX. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I previously disputed this account, stating, " I dispute the missed and late payments. Please provide statements of all payments since I opened this account. '' I disagree with your investigation results. Please send proof of your findings or remove the negative information from this account. 
Date of Last Activity : Inaccurate Creditor Type : Inaccurate Payment status Inaccurate XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : I previously disputed this account, stating, " I dispute the missed and late payments. Please provide statements of all payments since I opened this account. '' I disagree with your investigation results. Please send proof of your findings or remove the negative information from this account. 


XXXX. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I previously disputed this account, stating, " I dispute the missed and late payments. Please provide statements of all payments since I opened this account. '' I disagree with your investigation results. Please send proof of your findings or remove the negative information from this account. 

XXXXAccount Name : XXXXXXXX XXXX Account Number : XXXX Reason : I previously disputed this account, stating, " I dispute the missed and late payments. Please provide statements of all payments since I opened this account. '' I disagree with your investigation results. Please send proof of your findings or remove the negative information from this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account, stating, " I dispute the missed and late payments. Please provide statements of all payments since I opened this account. '' I disagree with your investigation results. Please send proof of your findings or remove the negative information from this account. 
Date of Last Activity : Inaccurate Creditor Type : Inaccurate Payment status Inaccurate XXXX. Account Name XXXX XXXX XXXX XXXX, Account Number : XXXX Reason : I believe this account is incorrect, as I have never had a contract with Safe Home Security. I kindly request that you investigate this issue and remove the collection account from my credit report. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.

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