Consumer complaint received 2025-02-11 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 score : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$1200.00} Reason : I am formally disputing the missed and late payment records reported on my account XXXX. After reviewing my credit report, I found negative marks that I believe to be inaccurate or improperly reported. To verify the accuracy of this information, I request a complete record of all payments made and missed on this account since its opening. Please provide copies of account statements, payment histories, and any documentation used to support the reported negative payment status. If an investigation has already been conducted, I request the specific proof used to validate these claims. If you are unable to provide clear and verifiable documentation confirming the accuracy of these late or missed payments, I formally request that you remove them from my credit report immediately. Unverified or inaccurate information should not remain on my record, as it unfairly impacts my credit standing. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$480.00} 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 's opening. This will help clarify any discrepancies. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$1800.00} 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 's opening. This will help clarify any discrepancies. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX Balance : {$650.00} Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX Balance : {$280.00} Reason : I am formally disputing the missed and late payment records reported on my account XXXX. After reviewing my credit report, I found negative marks that I believe to be inaccurate or improperly reported. To verify the accuracy of this information, I request a complete record of all payments made and missed on this account since its opening. Please provide copies of account statements, payment histories, and any documentation used to support the reported negative payment status. If an investigation has already been conducted, I request the specific proof used to validate these claims. If you are unable to provide clear and verifiable documentation confirming the accuracy of these late or missed payments, I formally request that you remove them from my credit report immediately. Unverified or inaccurate information should not remain on my record, as it unfairly impacts my credit standing. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Opened XXXX Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history reported on this account. I would like to see all statements showing exactly how much was past due for any missed payments, along with the specific date this account was first marked as negative. I also dont agree with the results of your investigation. Please send me the proof you used to verify this negative payment status. If you cant provide solid evidence that this information is accurate, I request that you remove it from my account immediately. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am formally disputing the missed and late payment records reported on my account XXXX. After reviewing my credit report, I found negative marks that I believe to be inaccurate or improperly reported. To verify the accuracy of this information, I request a complete record of all payments made and missed on this account since its opening. Please provide copies of account statements, payment histories, and any documentation used to support the reported negative payment status. If an investigation has already been conducted, I request the specific proof used to validate these claims. If you are unable to provide clear and verifiable documentation confirming the accuracy of these late or missed payments, I formally request that you remove them from my credit report immediately. Unverified or inaccurate information should not remain on my record, as it unfairly impacts my credit standing. 
INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX FEB/DESTINY XX/XX/XXXX The items in question are either inaccurately reported or have already been resolved. I kindly request a thorough investigation and correction of these inaccuracies. Despite my prior efforts to resolve this issue with both the XXXX XXXX XXXX and the data furnisher, it remains unresolved. 
To assist in your review, I have attached supporting documentation, including screenshots of my credit report highlighting the inaccurate information. I urge you to investigate this matter promptly and update my credit report to reflect accurate and truthful information. Thank you for your attention to this matter.

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