Consumer complaint received 2025-06-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX has flagged your account as Collections on XXXX XXXX, XXXX. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XXXX XXXX, XXXX  Balance : {$690.00} What now? 

Negative activity can have a significant impact on your credit score and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try Experian XXXX to raise your FICO Score. 
Also, served me with court papers for XXXXXXXX XXXX XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XXXX XXXX, XXXX. 

Source : Experian Company XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XXXX XXXX, XXXX  Balance : {$740.00} What's next? 

Check out next steps you could take to lessen the impact of a late payment on your credit and avoid late payments in the future. 
XXXX XXXX XXXX has flagged your account as Collections on XXXX XXXX, XXXX. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XXXX XXXX, XXXX Balance : {$280.00} What now? 

Negative activity can have a significant impact on your credit score and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try Experian XXXX to raise your FICO Score. 
XXXX XXXX XXXX has flagged your account as Collections on XX/XX/XXXX. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXXXXXX  Balance : {$500.00} What now? 

Negative activity can have a significant impact on your credit score and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try Experian XXXX to raise your FICO Score. 
On XX/XX/XXXX, XXXX XXXX has reported to Experian that your account as over or at your credit limit. 

Source : Experian Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Activity : Bank/Credit Card Over Credit Limit Balance Date : XX/XX/XXXX Balance : {$480.00} Not you? 

If anything is incorrect, please visit our dispute center to file a dispute. 

Visit dispute center Why am I receiving this? 

You are receiving this alert because your membership includes Experian credit monitoring & alerts. We'll notify you of any changes to your Experian credit file. Changes could affect your score, score rating and ability to receive and use credit. 


The employment dispute has been received and should be completed by XXXX 

Source : Experian Date Submitted : XX/XX/XXXXXXXX  Estimated Resolution Date : XX/XX/XXXX Report Number : XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. 

Source : Experian Company : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 60 Days Delinquent ) Balance Date : XX/XX/XXXXXXXX  Balance : {$20000.00} What's next? 

Check out next steps you could take to lessen the impact of a late payment on your credit and avoid late payments in the future.

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