Consumer complaint received 2025-02-24 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 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 : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$5500.00} Reason : I am disputing this account as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I previously disputed this account, and it was successfully deleted from my Equifax report XXXX However, TransUnion failed to investigate and remove the inaccurate information. This error is making things so much harder for me, and I dont understand why it hasnt been corrected. Ive done everything I can to fix this, but I feel stuck. Please, XXXX asking for your help in reviewing this matter and removing the disputed information. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I previously disputed this account, and it was successfully deleted from my Equifax report XXXX However, TransUnion failed to investigate and remove the inaccurate information. This error is making things so much harder for me, and I dont understand why it hasnt been corrected. Ive done everything I can to fix this, but I feel stuck. Please, XXXX asking for your help in reviewing this matter and removing the disputed information. 


Account Name : XXXX XXXX  Account Number : XXXX Balance : {$280.00} Reason : This account is wrongly reporting 6 late payments, while my Equifax report only shows 2. These errors are unfairly damaging my credit and making it so much harder for me to move forward financially. Ive been trying so hard to rebuild my credit, but mistakes like this make it feel impossible. Please, Im asking for your help in correcting this as soon as possible. I truly appreciate your time and understanding.

3Account Name : XXXX XXXX  Account Number : XXXX Balance : {$38000.00} Reason : This account is incorrectly being reported as charged off with a balance due, which is hurting my financial situation and making it difficult for me to move forward. Please provide proof of this charge-off or update the balance to {$0.00} and remove the negative payment status. Ive been working so hard to improve my credit, and this inaccurate reporting is making things even harder for me. I kindly ask for your help in correcting this as soon as possible. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is wrongly reporting 12 late payments, while my Equifax report only shows 6. These errors are unfairly damaging my credit and making it incredibly difficult for me to move forward financially. Ive been doing everything I can to rebuild my credit, but mistakes like this are holding me back. Please, Im asking for your help in correcting this as soon as possible. I truly appreciate your time and understanding. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I have been working tirelessly to rebuild my credit, and this incorrect reporting is making it so much harder for me from TransUnion. I do not agree with the negative payment history listed and need clarity on why this is happening. Please provide all statements showing the exact past due amount for any missed payments and the exact date this account became negative. If this information can not be verified, I kindly ask that you update or remove the negative status. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have been working tirelessly to rebuild my credit, and this incorrect reporting is making it so much harder for me from Equifax. I do not agree with the negative payment history listed and need clarity on why this is happening. Please provide all statements showing the exact past due amount for any missed payments and the exact date this account became negative. If this information can not be verified, I kindly ask that you update or remove the negative status. 


Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Reason : I have never had a contract with this debt collector for any debt. The presence of this account is causing unnecessary stress in my life. Please provide proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. If this can not be verified, I kindly ask that you delete this account. I appreciate your prompt attention to this matter. 

Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX Reason : I have never had a contract with this debt collector for any debt. The presence of this account is causing unnecessary stress in my life. Please provide proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. If this can not be verified, I kindly ask that you delete this account. I appreciate your prompt attention to this matter. 
Reason : .Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is wrongly reporting 12 late payments, while my Equifax report only shows 6. These errors are unfairly damaging my credit and making it incredibly difficult for me to move forward financially. Ive been doing everything I can to rebuild my credit, but mistakes like this are holding me back. Please, Im asking for your help in correcting this as soon as possible. I truly appreciate your time and understanding. 


status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 
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 XXXXXX/XX/year> The items in question are either inaccurately reported or have already been resolved. I request a thorough investigation and correction of these inaccuracies. Despite my efforts to contact the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and substantiate my claim. 
Please investigate this matter promptly and update my credit report to reflect accurate and updated 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