Consumer complaint received 2024-11-19 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 request a comprehensive investigation and correction of several items on my credit report that appear to be either inaccurately reported or have already been resolved. I believed that my insurance company would cover these medical bills ; however, the balance on my account has not been reduced as expected. Since I was under the impression that this debt would be covered by insurance, I request that it be removed from my records. 
Please provide documentation explaining why this debt was not covered by insurance and why it remains on my account. If you can not provide sufficient proof, I request that you delete this debt from my credit report and all related records. 

XXXX Account Name : XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the results of your investigation. Please provide a complete copy of all evidence reviewed, including statements, contracts, and communications with the original creditor. Additionally, I request a detailed summary of how you verified this debt, including any reliance on automated systems or third-party agencies, and how their information was used to confirm its accuracy. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the results of your investigation. Please provide a complete copy of all evidence reviewed, including statements, contracts, and communications with the original creditor. Additionally, I request a detailed summary of how you verified this debt, including any reliance on automated systems or third-party agencies, and how their information was used to confirm its accuracy. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the results of your investigation. Please provide a complete copy of all evidence reviewed, including statements, contracts, and communications with the original creditor. Additionally, I request a detailed summary of how you verified this debt, including any reliance on automated systems or third-party agencies, and how their information was used to confirm its accuracy. 

EXP Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. '' I do not agree with the results of your investigation. Please provide me with the proof of your investigation and documentation supporting the negative payment status for this account. If you can not provide sufficient proof, I request that you delete the negative information associated with this account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I do not agree with the results of your investigation. Please provide a complete record of all payments made and missed since the account was opened, including statements showing payment dates and amounts. Additionally, I request that you provide proof of the negative payment status for this account. If you can not provide this evidence, I request that the negative payment information be deleted from my credit report. 

XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Despite my prior attempts to resolve this matter by contacting both the credit reporting agency and the data furnisher, the issue has not been addressed, and the inaccurate information remains on my report .

These discrepancies are impacting my credit profile, and I believe they are in error. I have attached supporting documentation, including screenshots of my credit report that clearly highlight the inaccurate information and provide evidence to support my dispute.

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