Consumer complaint received 2025-01-27 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 medical emergency related to XXXX that resulted in unexpected hospitalization. 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. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly reported as charged off with a balance due. Please provide documentation to verify the charge-off and update the balance to {$0.00}, or remove the negative payment status. I also disagree with the results of your prior investigation. Please mail me proof of your investigation and evidence supporting the negative status. If you can not provide this, delete the negative information immediately. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$1000.00} Reason : This account is incorrectly reported as charged off with a balance due. Please provide documentation to verify the charge-off and update the balance to {$0.00}, or remove the negative payment status. I also disagree with the results of your prior investigation. Please mail me proof of your investigation and evidence supporting the negative status. If you can not provide this, delete the negative information immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 

.Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly reported as charged off with a balance due. Please provide documentation to verify the charge-off and update the balance to {$0.00} or remove the negative payment status. I also disagree with the results of your prior investigation. Please mail me proof of your investigation and evidence supporting the negative status. If you can not provide this, delete the negative information immediately. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Due to a recent medical situation, I am struggling to understand how this public record is associated with me. I do not recognize it and am requesting that you provide proof from the court verifying this public record. I also disagree with the results of your previous investigation. Please mail me detailed proof of your investigation and official verification of this record from the court. If you are unable to provide this, I respectfully ask that you delete this public record from my file. 


Account Name : XXXX XXXX Account Number : XXXX Reason : Due to a recent medical situation, I am struggling to understand how this public record is associated with me. I do not recognize it and am requesting that you provide proof from the court verifying this public record. I also disagree with the results of your previous investigation. Please mail me detailed proof of your investigation and official verification of this record from the court. If you are unable to provide this, I respectfully ask that you delete this public record from my file. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 

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. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Due to a difficult medical situation, I am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account. I also do not agree with the results of your prior investigation. Please mail me proof of your investigation and evidence supporting the negative payment status on this account. If you are unable to provide this, I kindly ask that you delete the negative information associated with this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Due to a recent medical situation, I am struggling to understand how this public record is associated with me. I do not recognize it and am requesting that you provide proof from the court verifying this public record. I also disagree with the results of your previous investigation. Please mail me detailed proof of your investigation and official verification of this record from the court. If you are unable to provide this, I respectfully ask that you delete this public record from my file. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. Please provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it, or delete this account. Additionally, I do not agree with the results of your prior investigation. Please send me detailed proof of your investigation and evidence that this debt collector has the legal right to collect. If you can not provide this, I request that you delete this account immediately. 

INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 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 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 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 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 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/XXXX 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