Consumer complaint received 2024-02-28 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: AL

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : DEPT OF EDUCATIONXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$450.00}. 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
XXXX XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I want to bring to your attention that I previously disputed this account and expressed my disagreement with the results of your investigation. I have not received any documentation that supports the negative payment status for this account. Therefore, I kindly request that you provide me with the following : A validation letter that includes detailed information about this account, such as the original creditor, the date of the last payment, the account balance, and any relevant payment history. 
Proof of the negative payment status for this account, which may include documents or records that demonstrate the accuracy of the reported information. 

If you are unable to provide the requested validation and proof within the required time frame, I request that you promptly remove this account from my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverified information should not negatively impact my credit history. 
Please understand that I am committed to resolving this matter amicably and in accordance with the law. I trust that you will take my request seriously and act promptly to address it. 
You may send the requested information to the address provided above or contact me via email at [ Your Email Address ] or by phone at [ Your Phone Number ] to discuss this matter further. 
Thank you for your attention to this request. I look forward to your prompt response within the time frame specified by the FCRA. 
DEPT OF EDUCATIONXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 
I have reviewed my financial records, and I do not recall ever being late with a payment on this account. I have always been committed to meeting my financial obligations promptly, and any late payment on my part is not consistent with my financial history. 
In light of this, I kindly request that you investigate the accuracy of the reported late payment and provide me with statements and records of all payments made and missed since I opened this account. I believe that there may be an error or misunderstanding, and I am eager to resolve this matter as swiftly as possible. 
Please consider my request for the removal of the late payment from my credit report. An accurate credit report is crucial for my financial well-being, and I am committed to ensuring that my credit history reflects my responsible financial behavior. 
I understand that the Department of Education takes issues related to credit reporting seriously, and I trust that you will conduct a thorough investigation into this matter. I appreciate your prompt attention to this request and your assistance in resolving this issue. 
DEPT OF EDUCATIONXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4000.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXXXXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$7400.00}. 

I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
DEPT OF EDUCATIONXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
DEPT OF EDUCATIONXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
I was never late on this account. I have made all my payments on time. 
DEPT OF EDUCATIONXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
DEPT OF EDUCATIONXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXXXXXX XXXX XXXX  XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
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