Consumer complaint received 2024-12-02 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 XXXX XXXX XXXX XXXXXXXX Reason : This account is being reported as charged off with a balance due, which is not accurate, and its causing me a great deal of distress. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status entirely. I dont agree with the results of your investigation, and its really affecting me. Please send me proof of your investigation and evidence of the negative payment status or kindly delete this harmful information. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : This account is being reported as charged off with a balance due, which is not accurate, and its causing me a great deal of distress. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status entirely. I dont agree with the results of your investigation, and its really affecting me. Please send me proof of your investigation and evidence of the negative payment status or kindly delete this harmful information. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is being reported as charged off with a balance due, which is not accurate, and its causing me a great deal of distress. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status entirely. I dont agree with the results of your investigation, and its really affecting me. Please send me proof of your investigation and evidence of the negative payment status or kindly delete this harmful information. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is being reported as charged off with a balance due, which is not accurate, and its causing me a great deal of distress. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative payment status entirely. I dont agree with the results of your investigation, and its really affecting me. Please send me proof of your investigation and evidence of the negative payment status or kindly delete this harmful information. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : Ive never had a contract with this debt collector, and its really upsetting to see this on my record. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or remove this account. This situation is causing me a lot of stress and XXXX. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : Ive never had a contract with this debt collector, and its really upsetting to see this on my record. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or remove this account. This situation is causing me a lot of stress and XXXX. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector, and its really upsetting to see this on my record. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or remove this account. This situation is causing me a lot of stress and XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector, and its really upsetting to see this on my record. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or remove this account. This situation is causing me a lot of stress and XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly listed as charged off with a balance due, and it's causing me a lot of stress. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status. I dont agree with your investigation results. Please send proof or delete this negative information. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had any agreement with this debt collector, and its deeply upsetting to see this on my record. Please provide proof from the original creditor that they own this debt and have the legal right to collect it or kindly remove this account. I dont agree with the results of your investigation, and this is causing me a lot of distress. Please send me the proof of your investigation and confirmation that this debt collector has the right to collect or delete this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had any agreement with this debt collector, and its deeply upsetting to see this on my record. Please provide proof from the original creditor that they own this debt and have the legal right to collect it or kindly remove this account. I dont agree with the results of your investigation, and this is causing me a lot of distress. Please send me the proof of your investigation and confirmation that this debt collector has the right to collect or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had any agreement with this debt collector, and its deeply upsetting to see this on my record. Please provide proof from the original creditor that they own this debt and have the legal right to collect it or kindly remove this account. I dont agree with the results of your investigation, and this is causing me a lot of distress. Please send me the proof of your investigation and confirmation that this debt collector has the right to collect or delete this account. 



Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had any agreement with this debt collector, and its deeply upsetting to see this on my record. Please provide proof from the original creditor that they own this debt and have the legal right to collect it or kindly remove this account. I dont agree with the results of your investigation, and this is causing me a lot of distress. Please send me the proof of your investigation and confirmation that this debt collector has the right to collect or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had any agreement with this debt collector, and its deeply upsetting to see this on my record. Please provide proof from the original creditor that they own this debt and have the legal right to collect it or kindly remove this account. I dont agree with the results of your investigation, and this is causing me a lot of distress. Please send me the proof of your investigation and confirmation that this debt collector has the right to collect or delete this account. 

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 XXXXXX/XX/XXXX These items are either reported incorrectly or have already been addressed, and I ask that they be carefully reviewed and corrected. I have reached out to both the credit reporting agency and the data furnisher, but the issue has not yet been resolved. Attached are supporting documents, including screenshots of my credit report, which highlight the inaccuracies and back up my claim. I kindly request that this matter be investigated as soon as possible, and that my credit report be updated 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