Consumer complaint received 2024-12-11 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 : Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This account is being reported as charged off with a balance still due, which isnt accurate. Its really frustrating to see this, and Id appreciate it if you could provide proof of the charge-off. Please either update the balance to {$0.00} or remove the negative payment status, as its affecting my credit. 

Account XXXX : XXXX Account XXXX : XXXX Reason : The 60 days past due status is incorrect, as the balance is {$0.00}. This error is causing stress, and I kindly ask for it to be corrected. Your help is greatly appreciated. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account, as they dont seem accurate. Its really frustrating and stressful to see this, and I kindly ask for statements and records of all payments made and missed since I opened this account. Your help in clearing this up would mean a lot. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is being reported as charged off with a balance still due, which isnt accurate. Its really frustrating to see this, and Id appreciate it if you could provide proof of the charge-off. Please either update the balance to {$0.00} or remove the negative payment status, as its affecting my credit. 


Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account, as they dont seem accurate. Its really frustrating and stressful to see this, and I kindly ask for statements and records of all payments made and missed since I opened this account. Your help in clearing this up would mean a lot. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account, as they dont seem accurate. Its really frustrating and stressful to see this, and I kindly ask for statements and records of all payments made and missed since I opened this account. Your help in clearing this up would mean a lot. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please look into this matter as soon as possible and update my credit report with 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