Consumer complaint received 2024-12-17 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 : XXXXXXXX XXXX  Account Number : XXXX Reason : I regret to inform you that this account is being incorrectly reported as a charged-off account with a balance due. I kindly ask that you provide proof of the charge-off and update the balance to {$0.00}, or, if possible, delete the negative payment status on this account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply concerned and troubled by the negative payment status and history listed on this account. I kindly request that you provide all statements showing the exact past due amount of any missed payments, as well as the exact date when this account became negative. 

Account Name XXXX XXXX  Account Number : XXXX Reason : Ive previously disputed this account, and I am truly saddened by the results of your investigation. I dont agree with the findings, and I kindly ask that you mail me the proof of your investigation, along with evidence of the negative payment status for this account. If you are unable to provide this, I kindly request that you remove the negative information from this account. 

Account Name : XXXX Account Number : XXXX Reason : I am truly troubled by the negative payment status and history listed on this account, and I don't agree with it. Its disheartening to see this on my record. Please provide all statements showing the exact past due amount for any missed payments, as well as the exact date when this account became negative. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I deeply dispute the missed payments and late payments reported on this account. Its truly upsetting to see this reflected in my history. Please provide statements and records of all payments made and missed since I opened this account. 


Account Name : XXXX  Account Number : XXXX Reason : I am deeply disappointed by the results of your investigation, as I dont agree with them. This has been a difficult and upsetting situation for me. Please mail me the proof of your investigation, along with evidence of the negative payment status for this account. If this can not be provided, I kindly ask that you delete the negative information from this account. 

INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXXXX/XX/XXXX It is deeply upsetting to see that these items are either inaccurately reported or have already been resolved, yet they remain unchanged. I kindly request that they be thoroughly investigated and corrected. Ive already reached out to both the credit reporting agency and the data furnisher, but unfortunately, the issue remains unresolved. Ive attached supporting documentation, including screenshots of my credit report, to show the inaccurate information and to support my claim. I am feeling overwhelmed by this situation and respectfully ask that you investigate this matter promptly and update my credit report to reflect the 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