Consumer complaint received 2024-10-18 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 disputing the negative items on my credit report due to the financial strain caused by a sudden XXXX  emergency related to XXXX that resulted in unexpected XXXX. During this challenging time, I struggled to manage my bills and communication, which led to some charges being overlooked. I believe these items do not accurately reflect my situation and kindly ask for your understanding as I work to resolve these issues. 

XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 


XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 
XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 






XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently checked, and it only appears on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status associated with this account. 

These items are either reported inaccurately or have already been resolved, and I request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies 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