Consumer complaint received 2025-02-26 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 Reason : I am disputing the missed and late payments reported on this account due to financial hardship. During this time, I experienced unexpected financial loss, which made it difficult to keep up with payments. I ask that you review my account and provide statements and records of all payments made and missed since I opened it. If any inaccuracies are found, I request that they be corrected. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account due to financial hardship. During this time, I experienced unexpected financial loss, which made it difficult to keep up with payments. I ask that you review my account and provide statements and records of all payments made and missed since I opened it. If any inaccuracies are found, I request that they be corrected. 


Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I am disputing the missed and late payments reported on this account due to financial hardship. During this time, I experienced unexpected financial loss, which made it difficult to keep up with payments. I ask that you review my account and provide statements and records of all payments made and missed since I opened it. If any inaccuracies are found, I request that they be corrected. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXXXXXX XXXX  Account Number : XXXX Balance : {$11000.00} Reason : I am disputing the missed and late payments reported on this account due to financial hardship. During this time, I experienced unexpected financial loss, which made it difficult to keep up with payments. I ask that you review my account and provide statements and records of all payments made and missed since I opened it. If any inaccuracies are found, I request that they be corrected. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I am disputing the reporting of this account as charged off with a balance due. I experienced financial difficulties that made it challenging to keep up with payments, but I want to ensure my credit report reflects accurate information. Please provide documentation verifying the charge-off, including a full record of payments and the final balance. If the reporting is inaccurate, I request that the balance be updated to {$0.00} or that the negative payment status be removed. This account has already impacted my financial recovery, and I want to make sure everything is reported correctly. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I am disputing the missed and late payments reported on this account due to financial hardship. During this time, I experienced unexpected financial loss, which made it difficult to keep up with payments. I ask that you review my account and provide statements and records of all payments made and missed since I opened it. If any inaccuracies are found, I request that they be corrected. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX Account XXXX Balance : {$6400.00} Reason : I am disputing the reporting of this account as charged off with a balance due. I experienced financial difficulties that made it challenging to keep up with payments, but I want to ensure my credit report reflects accurate information. Please provide documentation verifying the charge-off, including a full record of payments and the final balance. If the reporting is inaccurate, I request that the balance be updated to {$0.00} or that the negative payment status be removed. This account has already impacted my financial recovery, and I want to make sure everything is reported correctly. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$6600.00} Reason : I am disputing the reporting of this account as charged off with a balance due. I experienced financial difficulties that made it challenging to keep up with payments, but I want to ensure my credit report reflects accurate information. Please provide documentation verifying the charge-off, including a full record of payments and the final balance. If the reporting is inaccurate, I request that the balance be updated to {$0.00} or that the negative payment status be removed. This account has already impacted my financial recovery, and I want to make sure everything is reported correctly. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX Account XXXX Balance : {$0.00} Reason : I am disputing the missed and late payments reported on this account due to financial hardship. During this time, I experienced unexpected financial loss, which made it difficult to keep up with payments. I ask that you review my account and provide statements and records of all payments made and missed since I opened it. If any inaccuracies are found, I request that they be corrected. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate INQUIRIES : TRANSUNION XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX  These items have either been reported inaccurately or have already been resolved, yet they still appear on my credit report. Despite my previous efforts to address this issue by contacting both the credit reporting agency and the data furnisher, the errors remain. I have attached supporting documentation, including screenshots of my credit report highlighting the inaccuracies. I urge you to investigate this matter promptly and ensure my credit report is updated to reflect accurate and fair 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