Consumer complaint received 2025-02-07 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 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 Number : XXXX Balance : {$0.00} Reason : I am deeply concerned about the negative payment status reported on this account. I do not agree with this information and request that you provide all statements showing any missed payments and the exact date the account became negative. Additionally, I dispute the findings of your investigation. Please mail me proof of your investigation and evidence supporting this negative status. If you can not provide this information, please remove the negative mark from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply upset by the negative payment history on this account. I have always tried to stay on top of my finances, and these reported late and missed payments feel unfair. I formally dispute these claims and request all records of payments made and missed since I opened the account. I also disagree with your investigation resultsplease mail me proof of your findings and verification of this negative status. If you can not provide this, I ask that you remove the negative record immediately. This situation has been extremely stressful, and I need clarity and fairness. 


Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly reporting six late payments, while my Experian report only shows one. This discrepancy is concerning and unfair. I do not agree with the results of your investigation. Please provide proof of your investigation and verification of this negative payment status. If you can not provide accurate records, I request that you remove the incorrect information immediately. 

Account Name : XXXX Account Number : XXXX Reason : I strongly disagree with the negative payment status on this account. This has caused me significant concern, and I believe its inaccurate. Please provide all statements showing the exact past due amounts, the date this account became negative, and proof of your investigation. If you can not provide this information, I request that you delete the negative record immediately. 

Account Name : XXXX Account Number : XXXX Balance : {$790.00} Reason : I strongly disagree with the negative payment status on this account. This has caused me significant concern, and I believe its inaccurate. Please provide all statements showing the exact past due amounts, the date this account became negative, and proof of your investigation. If you can not provide this information, I request that you delete the negative record immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment Status : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I strongly disagree with the negative payment status on this account. This has caused me significant concern, and I believe its inaccurate. Please provide all statements showing the exact past due amounts, the date this account became negative, and proof of your investigation. If you can not provide this information, I request that you delete the negative record immediately. 


Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply upset by the negative payment history on this account. I have always tried to stay on top of my finances, and these reported late and missed payments feel unfair. I formally dispute these claims and request all records of payments made and missed since I opened the account. I also disagree with your investigation resultsplease mail me proof of your findings and verification of this negative status. If you can not provide this, I ask that you remove the negative record immediately. This situation has been extremely stressful, and I need clarity and fairness. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply upset by the negative payment history on this account. I have always tried to stay on top of my finances, and these reported late and missed payments feel unfair. I formally dispute these claims and request all records of payments made and missed since I opened the account. I also disagree with your investigation resultsplease mail me proof of your findings and verification of this negative status. If you can not provide this, I ask that you remove the negative record immediately. This situation has been extremely stressful, and I need clarity and fairness. 


Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply upset by the negative payment history on this account. I have always tried to stay on top of my finances, and these reported late and missed payments feel unfair. I formally dispute these claims and request all records of payments made and missed since I opened the account. I also disagree with your investigation resultsplease mail me proof of your findings and verification of this negative status. If you can not provide this, I ask that you remove the negative record immediately. This situation has been extremely stressful, and I need clarity and fairness. 


Account Name : XXXX Account Number : XXXX Balance : {$10000.00} Reason : I disagree with the reported amount and the open date of this account. Please provide the most recent billing statement from the original creditor showing the amount due and the due date, or kindly delete this account Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly reporting five late payments, while my TransUnion report only shows three. This inconsistency is concerning and could negatively impact my credit. I do not agree with the results of your investigation. Please provide proof of your investigation and verification of this negative payment status. If you can not provide accurate records, I request that you remove the incorrect information immediately. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply upset by the negative payment history on this account. I have always tried to stay on top of my finances, and these reported late and missed payments feel unfair. I formally dispute these claims and request all records of payments made and missed since I opened the account. I also disagree with your investigation resultsplease mail me proof of your findings and verification of this negative status. If you can not provide this, I ask that you remove the negative record immediately. This situation has been extremely stressful, and I need clarity and fairness. 

Account Name : XXXX Account Number : XXXX Reason : I strongly disagree with the negative payment status on this account. This has caused me significant concern, and I believe its inaccurate. Please provide all statements showing the exact past due amounts, the date this account became negative, and proof of your investigation. If you can not provide this information, I request that you delete the negative record immediately. 



Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply upset by the negative payment history on this account. I have always tried to stay on top of my finances, and these reported late and missed payments feel unfair. I formally dispute these claims and request all records of payments made and missed since I opened the account. I also disagree with your investigation resultsplease mail me proof of your findings and verification of this negative status. If you can not provide this, I ask that you remove the negative record immediately. This situation has been extremely stressful, and I need clarity and fairness. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply upset by the negative payment history on this account. I have always tried to stay on top of my finances, and these reported late and missed payments feel unfair. I formally dispute these claims and request all records of payments made and missed since I opened the account. I also disagree with your investigation resultsplease mail me proof of your findings and verification of this negative status. If you can not provide this, I ask that you remove the negative record immediately. This situation has been extremely stressful, and I need clarity and fairness. 


Account Name : XXXX XXXX Account Number : XXXX Reason : I strongly disagree with the negative payment status on this account. This has caused me significant concern, and I believe its inaccurate. Please provide all statements showing the exact past due amounts, the date this account became negative, and proof of your investigation. If you can not provide this information, I request that you delete the negative record immediately. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I do not agree with the negative payment status and history reported on this account. Please provide all statements showing the exact past-due amounts for any missed payments, as well as the specific date this account was marked as negative. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I request copies of all account statements and payment records, including details of any payments made or missed since the account was opened. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 inaccurately reported or have already been resolved, and I request a thorough investigation and correction. I have already contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are supporting documents, including screenshots of my credit report, which highlight the inaccurate information and 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