Consumer complaint received 2025-02-24 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 Account Number : XXXX Reason : To express my disagreement with the negative payment status and history listed on my account. I believe this information does not accurately reflect my financial situation, and I respectfully request that you review the details of this account for possible removal of the negative item. To assist in this review, I kindly ask that you provide all statements showing the exact past due amount for any missed payments, as well as the precise date this account was marked as negative. This will help clarify the situation, as I do not agree with the reported information. 

Account Name : XXXX Account Number : XXXX Reason : To express my disagreement with the negative payment status and history listed on my account. I believe this information does not accurately reflect my financial situation, and I respectfully request that you review the details of this account for possible removal of the negative item. To assist in this review, I kindly ask that you provide all statements showing the exact past due amount for any missed payments, as well as the precise date this account was marked as negative. This will help clarify the situation, as I do not agree with the reported information. 

Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements of all payments made and missed since the account was opened. I do not agree with the investigation results and request proof of your findings. If you can not provide evidence supporting the negative payment status, I ask that you delete this information from my account. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I am concerned by the negative payment status and history on my account. I disagree with the findings of your investigation and believe the information is inaccurately reflected. Please provide the full details of any missed payments, including the exact past due amounts and the date when this account became negative. If you are unable to provide this proof, I respectfully request that the negative information be removed from my account. I am seeking a fair resolution and would appreciate receiving the documentation of your investigation and the negative payment status if it is to remain. 

Account Name : XXXX Account Number : XXXX Reason : This account is being reported as a charged-off account with a balance due. This has added to my already overwhelming financial struggles, and it deeply worries me as it feels like an unfair reflection of my efforts to manage my finances. Please provide proof of the charge-off and update the balance to {$0.00}, or, if no proof can be provided, I kindly ask that the negative payment status be removed from this account. The emotional and financial toll this has taken on me is immense, and I am hoping for a fair resolution. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am concerned by the negative payment status and history on my account. I disagree with the findings of your investigation and believe the information is inaccurately reflected. Please provide the full details of any missed payments, including the exact past due amounts and the date when this account became negative. If you are unable to provide this proof, I respectfully request that the negative information be removed from my account. I am seeking a fair resolution and would appreciate receiving the documentation of your investigation and the negative payment status if it is to remain. 

Account Name : XXXX Account Number : XXXX Reason : This account is being reported as a charged-off account with a balance due. This has added to my already overwhelming financial struggles, and it deeply worries me as it feels like an unfair reflection of my efforts to manage my finances. Please provide proof of the charge-off and update the balance to {$0.00}, or, if no proof can be provided, I kindly ask that the negative payment status be removed from this account. The emotional and financial toll this has taken on me is immense, and I am hoping for a fair resolution. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : The negative payment status on my account has been causing me a lot of emotional distress. I truly believe this information is incorrect, and its been weighing on me more than I can express. Im kindly asking for your help in providing detailed statements showing the exact amounts past due for any missed payments and the exact date when this account became negative. I also disagree with the results of your investigation and would appreciate it if you could send me the evidence supporting your findings. If you cant provide this proof, Id respectfully request that the negative status be removed from my account. This has been a difficult experience for me, and Im hoping for a fair resolution. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : The negative payment status on my account has been causing me a lot of emotional distress. I truly believe this information is incorrect, and its been weighing on me more than I can express. Im kindly asking for your help in providing detailed statements showing the exact amounts past due for any missed payments and the exact date when this account became negative. I also disagree with the results of your investigation and would appreciate it if you could send me the evidence supporting your findings. If you cant provide this proof, Id respectfully request that the negative status be removed from my account. This has been a difficult experience for me, and Im hoping for a fair resolution. 




Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. Please provide detailed statements of all payments made and missed since the account was opened. I do not agree with the investigation results and request proof of your findings. If you can not provide evidence supporting the negative payment status, I ask that you delete this information from my account. 

Inquiry : XXXX XX/XX/year> These items are either reported inaccurately or have already been resolved. I kindly request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 

To support my claim, Ive attached relevant documentation and screenshots of my credit report highlighting the inaccuracies. Please investigate this matter promptly and update my credit report to ensure it reflects accurate 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