Consumer complaint received 2024-12-02 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 some inaccuracies on my credit report. The following items appear to be incorrect and are negatively affecting my credit score : Account Name : XXXX XXXXccount Number : XXXX Reason : This account is wrongly reported as charged off with an outstanding balance, and it's causing me a lot of stress. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status entirely. I don't agree with your investigation results and kindly ask for the evidence or for this negative information to be deleted. This situation is really affecting me. 

Account XXXX : XXXX Account XXXX : XXXX Reason : The current payment status of 60 days past due is incorrect, as the balance on this account is {$0.00}. I dont agree with the results of your investigation, and its causing me a lot of distress. Please send me the proof of your investigation and evidence of the negative payment status for this account or kindly remove the negative information. This situation is really affecting me, and I desperately need it to be resolved. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I dont agree with the results of your investigation, and this is causing me a lot of stress. Please send proof of your investigation and the negative payment status or remove the negative information. This situation is deeply troubling for me. 
Account Name : XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector, and it's causing me a lot of stress. Please provide proof from the original creditor that they own the debt and have the right to collect it or remove this account. I dont agree with your investigation results, and this is really affecting me. Please send proof or delete the account. 

Account Name : XXXX Account XXXX : XXXX Reason : Ive never had a contract with this debt collector, and it's causing me a lot of stress. Please provide proof from the original creditor that they own the debt and have the right to collect it or remove this account. I dont agree with your investigation results, and this is really affecting me. Please send proof or delete the account. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These items are either reported incorrectly or have already been addressed, and I ask that they be carefully reviewed and corrected. I have reached out to both the credit reporting agency and the data furnisher, but the issue has not yet been resolved. Attached are supporting documents, including screenshots of my credit report, which highlight the inaccuracies and back up my claim. I kindly request that this matter be investigated as soon as possible, and that my credit report be updated to reflect 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