Consumer complaint received 2025-08-16 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: MA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian P.O. XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXXXXXX XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : " This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete XXXX XXXX Secured Loan with account # XXXX opened on the negative information in this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$660.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXXXXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXXXXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. 
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX

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