Consumer complaint received 2025-03-20 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 Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reason : The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. 

Account name : XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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 Account name : XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have 2 late payments. On my Experian report there are 0 late payments being reported. 

Account name : XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : {$850.00} 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. 


Account name : XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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. 

Account name : XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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. 

Account name : XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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. 

Account name : XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported Account name : XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Reason : This account was opened prior to my Chapter 7 bankruptcy and the debt was discharged but it is still reporting a balance due. 

Account name : XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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. 

Account name : XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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. 

Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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. 

Account name : XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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. 

Account name : XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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. 

Account name : XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reason : 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 Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$590.00} 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. 

Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$430.00} 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. 

Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$470.00} 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 Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$97.00} 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. 

Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$67.00} 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. 

Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$170.00} 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. 

Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$120.00} 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 Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$39.00} 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 Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$370.00} 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 Account name : XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$450.00} 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. 


Account name : XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have 4 late payments. On my Experian report there are 0 late payments being reported. 

Account name : XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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 Account name : XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to 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