Consumer complaint received 2025-02-10 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 Account Number : XXXX Balance : {$4200.00} Reason : I am deeply frustrated and disheartened by the negative marks on my account. I have always done my best to stay on top of my financial obligations, and seeing these missed and late payments on my record is devastating. I dispute these claims and kindly request a full statement of all payments made and missed since the account was opened. I trusted that the investigation into this matter would bring clarity and fairness, but I can not accept the results as they stand. If there is proof to support these negative marks, please provide documented evidence of your investigation and verification. Otherwise, I respectfully request that this damaging information be removed. This situation is causing me significant stress, and I hope you can understand the urgency of resolving it. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This situation is really disheartening for me. I have always tried to be responsible with my finances, so seeing a negative payment status on my account is frustrating and stressful. I dont agree with how this is being reported, and its unfair to have this damaging my credit. I need full transparencyplease provide all statements showing the exact past due amount of any missed payments and the exact date my account became negative. If this information can not be verified, I ask that the negative status be removed. This is taking an emotional toll on me, and I just want this to be made right. 

Account Name : XXXX Account XXXX : XXXX Reason : I am extremely upset and discouraged by the negative payment history on my account. I have always tried to stay on top of my finances, and seeing this feels unfair. I dispute the negative status and request all statements showing the exact past due amount and the exact date my account became negative. I had hoped your investigation would bring clarity, but I can not accept these results. Please send me documented proof of your findings and verification of the negative status. If you can not provide this, I ask that you remove the negative information. This situation is causing me immense stress, and I need it resolved as soon as possible. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This situation is really disheartening for me. I have always tried to be responsible with my finances, so seeing a negative payment status on my account is frustrating and stressful. I dont agree with how this is being reported, and its unfair to have this damaging my credit. I need full transparencyplease provide all statements showing the exact past due amount of any missed payments and the exact date my account became negative. If this information can not be verified, I ask that the negative status be removed. This is taking an emotional toll on me, and I just want this to be made right. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply frustrated by the negative marks on my account. I dispute the missed and late payments and request a full record of all payments made and missed. I do not agree with the investigation results, please provide proof of your findings or remove the negative information. This situation is causing me significant stress, and I need it resolved. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply frustrated by the negative marks on my account. I dispute the missed and late payments and request a full record of all payments made and missed. I do not agree with the investigation results, please provide proof of your findings or remove the negative information. This situation is causing me significant stress, and I need it resolved. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply frustrated by the negative marks on my account. I dispute the missed and late payments and request a full record of all payments made and missed. I do not agree with the investigation result, please provide proof of your findings or remove the negative information. This situation is causing me significant stress, and I need it resolved. 


Account Name : XXXX Account XXXX : XXXX Reason : I am extremely upset and discouraged by the negative payment history on my account. I have always tried to stay on top of my finances, and seeing this feels unfair. I dispute the negative status and request all statements showing the exact past due amount and the exact date my account became negative. I had hoped your investigation would bring clarity, but I can not accept these results. Please send me documented proof of your findings and verification of the negative status. If you can not provide this, I ask that you remove the negative information. This situation is causing me immense stress, and I need it resolved as soon as possible. 

Account Name : XXXX Account Number : XXXX Reason : I am extremely upset and discouraged by the negative payment history on my account. I have always tried to stay on top of my finances, and seeing this feels unfair. I dispute the negative status and request all statements showing the exact past due amount and the exact date my account became negative. I had hoped your investigation would bring clarity, but I can not accept these results. Please send me documented proof of your findings and verification of the negative status. If you can not provide this, I ask that you remove the negative information. This situation is causing me immense stress, and I need it resolved as soon as possible. 


Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply frustrated and disheartened by the negative marks on my account. I have always done my best to stay on top of my financial obligations, and seeing these missed and late payments on my record is devastating. I dispute these claims and kindly request a full statement of all payments made and missed since the account was opened. I trusted that the investigation into this matter would bring clarity and fairness, but I can not accept the results as they stand. If there is proof to support these negative marks, please provide documented evidence of your investigation and verification. Otherwise, I respectfully request that this damaging information be removed. This situation is causing me significant stress, and I hope you can understand the urgency of resolving it. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply frustrated and disheartened by the negative marks on my account. I have always done my best to stay on top of my financial obligations, and seeing these missed and late payments on my record is devastating. I dispute these claims and kindly request a full statement of all payments made and missed since the account was opened. I trusted that the investigation into this matter would bring clarity and fairness, but I can not accept the results as they stand. If there is proof to support these negative marks, please provide documented evidence of your investigation and verification. Otherwise, I respectfully request that this damaging information be removed. This situation is causing me significant stress, and I hope you can understand the urgency of resolving it. 


Account Name : XXXX Account Number : XXXX Balance : {$11000.00} Reason : My account is incorrectly reporting XXXX late payments, while my Experian report only shows XXXX. This mistake is hurting my credit and making it seem like Ive been more irresponsible than I actually have. Ive worked hard to manage my finances, and seeing this error is frustrating and discouraging. I dont agree with the results of your investigation. Please send me proof of your findings and verification of the negative payment status. If you cant provide this, I ask that you remove the incorrect negative information. This is causing me a lot of stress, and I just need it to be made right. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I am extremely upset and discouraged by the negative payment history on my account. I have always tried to stay on top of my finances, and seeing this feels unfair. I dispute the negative status and request all statements showing the exact past due amount and the exact date my account became negative. I had hoped your investigation would bring clarity, but I can not accept these results. Please send me documented proof of your findings and verification of the negative status. If you can not provide this, I ask that you remove the negative information. This situation is causing me immense stress, and I need it resolved as soon as possible. 


Account Name : XXXX Account Number : XXXX Reason : I am deeply frustrated and disheartened by the negative marks on my account. I have always done my best to stay on top of my financial obligations, and seeing these missed and late payments on my record is devastating. I dispute these claims and kindly request a full statement of all payments made and missed since the account was opened. I trusted that the investigation into this matter would bring clarity and fairness, but I can not accept the results as they stand. If there is proof to support these negative marks, please provide documented evidence of your investigation and verification. Otherwise, I respectfully request that this damaging information be removed. This situation is causing me significant stress, and I hope you can understand the urgency of resolving it. 


Account Name : XXXX Account Number : XXXX Reason : My account is being incorrectly reported as charged off with a balance due, and I dont understand why. I have tried my best to stay on top of my finances, and seeing this error is heartbreaking. Im asking for proof of the charge-offif you cant provide clear documentation, then the balance should be updated to {$0.00} or the negative status should be removed. I also dont agree with the results of your investigation. Please send me proof to support your findings, or correct this mistake. This is seriously affecting me, and I just need it to be made right. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This situation is really weighing on me. I dont agree with the amount or the open date of this account, and its incredibly frustrating to see this on my record. Im asking for the last billing statement from the original creditor that shows the exact amount due and the date it was due. If that cant be provided, this account needs to be removed. I had hoped your investigation would clear this up, but I cant accept the results without real proof. Please send me documentation showing that this debt collector has a legal right to collect. If you cant, this account should be deleted. This is causing me so much stress, and I just need it resolved. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This situation is really weighing on me. I dont agree with the amount or the open date of this account, and its incredibly frustrating to see this on my record. Im asking for the last billing statement from the original creditor that shows the exact amount due and the date it was due. If that cant be provided, this account needs to be removed. I had hoped your investigation would clear this up, but I cant accept the results without real proof. Please send me documentation showing that this debt collector has a legal right to collect. If you cant, this account should be deleted. This is causing me so much stress, and I just need it resolved.. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This situation is really disheartening for me. I have always tried to be responsible with my finances, so seeing a negative payment status on my account is frustrating and stressful. I dont agree with how this is being reported, and its unfair to have this damaging my credit. I need full transparencyplease provide all statements showing the exact past due amount of any missed payments and the exact date my account became negative. If this information can not be verified, I ask that the negative status be removed. This is taking an emotional toll on me, and I just want this to be made right. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This situation is really disheartening for me. I have always tried to be responsible with my finances, so seeing a negative payment status on my account is frustrating and stressful. I dont agree with how this is being reported, and its unfair to have this damaging my credit. I need full transparencyplease provide all statements showing the exact past due amount of any missed payments and the exact date my account became negative. If this information can not be verified, I ask that the negative status be removed. This is taking an emotional toll on me, and I just want this to be made right. 

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 XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents, including screenshots of my credit report, to highlight the inaccuracies and back up my claim. Please look into this matter promptly and update my credit report with the correct 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