Consumer complaint received 2025-01-24 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 being reported on my credit report. This situation has caused me a great deal of stress, especially as I am already facing personal challenges. The following items are incorrect and are negatively impacting my credit score, making it even harder for me to move forward : Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting negative payment history on my credit report. As an authorized user, I am not responsible for the balance incurred by the primary cardholder or for any missed payments on this account. This situation has been especially stressful for me during a challenging time, and I kindly ask that this error be corrected as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about this account, as I have never had a contract with this debt collector for any debt. This situation has been overwhelming during an already difficult time in my life. I kindly ask that you provide proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If you can not provide this proof, I respectfully request that you delete this account from my record. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am going through a difficult time, and 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, as I need to understand what went wrong. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about this account, as I have never had a contract with this debt collector for any debt. This situation has been overwhelming during an already difficult time in my life. I kindly ask that you provide proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If you can not provide this proof, I respectfully request that you delete this account from my record. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am going through a difficult time, and 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, as I need to understand what went wrong. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2023 EXPERIAN XXXX XXXX XX/XX/2023 These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. Despite my efforts in contacting the credit reporting agency and the data furnisher, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, highlighting the inaccurate information and supporting my claim. Please investigate this matter promptly and update my credit report to reflect accurate and truthful 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