Consumer complaint received 2025-01-07 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 XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I request a detailed record of all payments made and missed since the account was opened. Please provide statements or documentation to support the reporting. 

Account XXXX : XXXX Account XXXX : XXXX Reason : The current payment status of 120 days past due is incorrect, as the balance on this account is {$0.00}. I request that you review this account and update the payment status to reflect the accurate balance. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : I am deeply concerned to see this account incorrectly reported as a charged-off account with a balance due. This has been incredibly stressful, as I have always tried to stay on top of my financial obligations. I respectfully request proof of the charge-off, along with documentation supporting the reported balance. If no valid proof can be provided, I ask that you update the balance to {$0.00} or remove the negative payment status from this account. 


Account Name : XXXX XXXX Account Number : XXXX Reason : I have no record of ever having a contract with this debt collector for any debt. I request proof from the original creditor showing 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 deleted. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I have no record of ever having a contract with this debt collector for any debt. I request proof from the original creditor showing 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 deleted. 


Account XXXX : XXXX Account XXXX : XXXX Reason : I have no record of ever having a contract with this debt collector for any debt. I request proof from the original creditor showing 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 deleted. 


Account XXXX : XXXX Account XXXX : XXXX Reason : I have no record of ever having a contract with this debt collector for any debt. I request proof from the original creditor showing 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 deleted. 


Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account, stating : " The current payment status of at least 120 days or more than XXXX payments past due is incorrect because the balance on this account is {$0.00}. '' I do not agree with the results of your investigation. I request that you mail me the documentation supporting your investigation, including proof of the negative payment status for this account. If you can not provide this proof, I ask that you delete the negative information from this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. I request proof of the charge-off and ask that the balance be updated to {$0.00} or the negative payment status be removed from this account. I do not agree with the results of your investigation. Please mail me the documentation supporting your investigation, including proof of the negative payment status for this account. If you can not provide this proof, I request that you delete the negative information from this account. 

INQUIRIES : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are either inaccurately reported or have already been resolved, and I am requesting a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccurate information and support my claim. I kindly ask that you investigate this matter promptly and update my credit report to reflect accurate information. Thank you for your attention to this issue.

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