Consumer complaint received 2024-11-22 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 some inaccurate information currently being reported on my credit report. After carefully reviewing my report, I have found that the following items are incorrect, and as a result, they are negatively affecting my XXXX XXXX : Account Name : XXXX  Account Number : XXXX Balance : {$XXXX} Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I am writing to dispute the current payment status of 30 days past due on this account. This is incorrect because the balance due on this account is {$0.00}. I do not agree with the results of your investigation. Please mail me the proof of your investigation and evidence showing the negative payment status for this account. If no proof can be provided, I kindly request that the negative information be deleted from my account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am disputing the reporting of this account as charged-off with a balance due, as this is incorrect. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status. I do not agree with the results of your investigation. Please send proof of your investigation and evidence of the negative payment status. If no proof is provided, I request that this information be removed. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I am writing to dispute the reporting of this account as charged-off with a balance due. This information is incorrect. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status from this account. I do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status. If no such proof can be provided, I respectfully request that the negative information be removed. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I am writing to dispute the reporting of this account as charged-off with a balance due. This information is incorrect. Please provide proof of the charge-off and update the balance to {$0.00}, or remove the negative payment status from this account. I do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status. If no such proof can be provided, I respectfully request that the negative information be removed. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I am writing to dispute this debt, as I have never had a contract with your company for any debt. Please provide proof from the original creditor that your company owns this debt and has the legal authority to collect it. If you are unable to provide such proof, I request that this account be deleted. I do not agree with the results of your investigation. Please mail me the proof of your investigation and evidence that your company has the legal right to collect this debt. If no proof is provided, I request the removal of this account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I have never entered into any contract with your agency or the original creditor regarding this debt. I request that you provide documentation from the original creditor proving that you legally own this debt and have the authority to collect it. If you are unable to provide this proof, I ask that you delete this account from my records. 
EXP Account Name : XXXX XXXX  Account Number : XXXX Reason : I am disputing an error on my account regarding late payments. The account is incorrectly reporting XXXX late payments, but my XXXX credit report shows only XXXX. Please review and correct this discrepancy to reflect the accurate number of late payments as reported by XXXX. I appreciate your prompt attention to this matter. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : I am writing to dispute the late payment information on my account. This account is incorrectly reporting XXXX late payment, while my XXXX report shows XXXX late payments. I do not agree with the results of your investigation. Please provide proof of your investigation and evidence of the negative payment status for this account. If no proof can be provided, I request that the negative information be removed from my account. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am writing to dispute the reporting of this account as a charged-off account with a balance due. I believe this is incorrect. Please provide proof of the charge-off and update the balance to {$XXXX} or delete the negative payment status on this account. I do not agree with the results of your investigation. Please send me the proof of your investigation and evidence of the negative payment status for this account. If no proof can be provided, I request that the negative information be removed. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am writing to dispute the late payment information on my account. This account is incorrectly reporting XXXX late payments, while my XXXX report shows XXXX late payments. I believe this is an error, and I do not agree with the results of your investigation. Please provide me with proof of your investigation and documentation showing the negative payment status for this account. If no proof can be provided, I kindly request that the negative information be removed from my account. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am writing to dispute the reporting of this account as a charged-off account with a balance due. I believe this is incorrect. Please provide proof of the charge-off and update the balance to {$0.00}, or delete the negative payment status on this account. I do not agree with the results of your investigation. Please mail me the proof of your investigation and evidence of the negative payment status for this account. If no proof can be provided, I kindly request that the negative information be removed from my account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am writing to dispute the validity of the debt reported by your office. I have never had a contract with your company for any debt. Please provide proof from the original creditor that your company owns this debt and has the legal authority to collect it. If such proof can not be provided, I request that this account be deleted from my records. I do not agree with the results of your investigation. Please mail me the proof of your investigation, as well as documentation showing that your company has the legal right to collect this debt. If no such proof can be provided, I request that this account be removed entirely. 

XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with your agency or the original creditor regarding this debt. I request that you provide documentation from the original creditor proving that you legally own this debt and have the authority to collect it. If you are unable to provide this proof, I ask that you delete this account from my records. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with your agency or the original creditor regarding this debt. I request that you provide documentation from the original creditor proving that you legally own this debt and have the authority to collect it. If you are unable to provide this proof, I ask that you delete this account from my records. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I have never entered into any contract with your agency or the original creditor regarding this debt. I request that you provide documentation from the original creditor proving that you legally own this debt and have the authority to collect it. If you are unable to provide this proof, I ask that you delete this account from my records. 

INQUIRIES XXXXXXXX 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 would appreciate your prompt attention to this matter, as these errors are not a reflection of my true credit history. Please let me know if you require any further information or documentation to assist in resolving this dispute.

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