Consumer complaint received 2025-01-15 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: FL

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 : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. 
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. 

XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}. 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. 

XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 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. 

XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$940.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX, XXXX. Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$22000.00}. 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. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6600.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report 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