Consumer complaint received 2025-01-22 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: TN

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 scorXXXX : Account Name : XXXX Account Number : XXXX Reason : This account is being inaccurately reported as charged off with a balance due. I kindly request that you provide documented proof of the charge-off, including all supporting details and evidence. If such proof can not be provided, I ask that you promptly update the account balance to {$0.00} or remove the negative payment status associated with this account. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : This account is being inaccurately reported as charged off with a balance due. I kindly request that you provide documented proof of the charge-off, including all supporting details and evidence. If such proof can not be provided, I ask that you promptly update the account balance to {$0.00} or remove the negative payment status associated with this account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The current payment status of " 30 days past due '' is inaccurate, as the balance on this account is {$0.00}. I kindly request that you review and update the account to reflect its correct status. 

Account Name : XXXX Account XXXX : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX Account XXXX : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX Account XXXX : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX Account Number : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX Account Number : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This account is being inaccurately reported as charged off with a balance due. I kindly request that you provide documented proof of the charge-off, including all supporting details and evidence. If such proof can not be provided, I ask that you promptly update the account balance to {$0.00} or remove the negative payment status associated with this account. 


Account NamXXXX : XXXX Account XXXX : XXXX Reason : I have never entered into any contract with this debt collector for any debt. I kindly request that you provide proof from the original creditor verifying that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I ask that this account be removed from my record. 

Account Name : XXXX Account XXXX : XXXX Reason : I have never entered into any contract with this debt collector for any debt. I kindly request that you provide proof from the original creditor verifying that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I ask that this account be removed from my record. 

Account Name : XXXX Account XXXX Reason : I have never entered into any contract with this debt collector for any debt. I kindly request that you provide proof from the original creditor verifying that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I ask that this account be removed from my record. 

Account Name : XXXX Account XXXX Reason : I have never entered into any contract with this debt collector for any debt. I kindly request that you provide proof from the original creditor verifying that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I ask that this account be removed from my record. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I have never entered into any contract with this debt collector for any debt. I kindly request that you provide proof from the original creditor verifying that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I ask that this account be removed from my record. 

Account Name : XXXX XXXX Account XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX XXXX Account XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account Name : XXXX XXXX XXXX XXXX WA Account XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the reported missed and late payments on this account. I kindly request that you provide detailed statements and records of all payments made and missed since the account was opened. This information is necessary to verify the accuracy of the reported payment history. 

INQUIRIES : XXXX XXXX XXXX XX/XX/year>XXXX XXXX  XX/XX/year> XXXX XX/XX/year> EXPERIAN XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> These items are either inaccurately reported or have already been resolved, and I respectfully request that they be thoroughly investigated and corrected. Despite my efforts to address this issue by contacting both the credit reporting agency and the data furnisher, the matter remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and substantiate my claim. I kindly ask that you investigate this matter promptly and update my credit report to ensure it reflects 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