Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX Sales Contract with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
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. 

XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have 2 late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
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. 

XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. Please delete this account. 

XXXX XXXX  Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
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. 

XXXX XXXX  Secured Loan with account XXXX XXXX XXXX  on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

XXXX XXXX XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$40.00}. 
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. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$790.00}. 
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. 

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX IN. XXXX 
I previously disputed this account stating : XXXX 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. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

Sincerely, XXXX XXXX

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