Consumer complaint received 2024-10-22 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 inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 1. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

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

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

5. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 6. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 7. Account Name : XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

2. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 3. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

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

5. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 6. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 7. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my Experian account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 1. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

2. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 3. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

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

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

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

XXXX Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 8. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate 9. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reported on my credit report. I recently reviewed my report, and it is only showing on my XXXX account. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have previously reached out to both the credit reporting agency and the data furnisher, but the issue is still not resolved. Ive attached supporting documents and screenshots of my credit report to highlight the inaccuracies and back up my claim. Please address this matter promptly and update my credit report to ensure it reflects 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