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 with great concern to formally dispute the inaccurate information being reported on my credit report. It is deeply troubling to see these errors, and they are having a negative impact on my credit score. Specifically, the following items are incorrect and need to be addressed : Account Name : XXXX XXXX Account Number : XXXX Balance : {$1200.00} Reason : I am concerned that this account is being incorrectly reported as charged-off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status entirely. 
I disagree with the results of your investigation. Please send me documentation of your investigation and proof of the negative payment status. If you can not provide this, I request that you remove the negative information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$480.00} Reason : I am concerned that this account is being incorrectly reported as charged-off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status entirely. 
I disagree with the results of your investigation. Please send me documentation of your investigation and proof of the negative payment status. If you can not provide this, I request that you remove the negative information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$1800.00} Reason : I am concerned that this account is being incorrectly reported as charged-off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status entirely. 
I disagree with the results of your investigation. Please send me documentation of your investigation and proof of the negative payment status. If you can not provide this, I request that you remove the negative information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX Account Number : XXXX Balance : {$650.00} Reason : I am very concerned about the missed and late payments reported on this account. I dispute these entries and kindly ask for records of all payments made and missed since the account was opened. 
I do not agree with your investigation. Please send proof of the negative status or remove it from my account if you can not provide this. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I am very concerned about the missed and late payments reported on this account. I dispute these entries and kindly ask for records of all payments made and missed since the account was opened. 
I do not agree with your investigation. Please send proof of the negative status or remove it from my account if you can not provide this. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Date reported : Inaccurate Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I am very concerned about the missed and late payments reported on this account. I dispute these entries and kindly ask for records of all payments made and missed since the account was opened. 
I do not agree with your investigation. Please send proof of the negative status or remove it from my account if you can not provide this. 
Date of Last Activity : Inaccurate Date reported : Inaccurate Payment status : Inaccurate Account Name : XXXX Account Number : XXXX Balance : {$280.00} Reason : I am concerned that this account is being incorrectly reported as charged-off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status entirely. 
I disagree with the results of your investigation. Please send me documentation of your investigation and proof of the negative payment status. If you can not provide this, I request that you remove the negative information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Reason : I am deeply troubled, as I never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. 
I do not agree with the results of your investigation. Please send me the proof of your investigation and evidence that this debt collector has the legal right to collect or remove this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I am deeply troubled, as I never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. 
I do not agree with the results of your investigation. Please send me the proof of your investigation and evidence that this debt collector has the legal right to collect or remove this account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply troubled, as I never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. 
I do not agree with the results of your investigation. Please send me the proof of your investigation and evidence that this debt collector has the legal right to collect or remove this account. 



Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply troubled, as I never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. 
I do not agree with the results of your investigation. Please send me the proof of your investigation and evidence that this debt collector has the legal right to collect or remove this account. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I am concerned that this account is being incorrectly reported as charged-off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status entirely. 
I disagree with the results of your investigation. Please send me documentation of your investigation and proof of the negative payment status. If you can not provide this, I request that you remove the negative information from my account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply troubled, as I never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. 
I do not agree with the results of your investigation. Please send me the proof of your investigation and evidence that this debt collector has the legal right to collect or remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply troubled, as I never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. 
I do not agree with the results of your investigation. Please send me the proof of your investigation and evidence that this debt collector has the legal right to collect or remove this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply troubled, as I never had a contract with this debt collector. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or delete this account. 
I do not agree with the results of your investigation. Please send me the proof of your investigation and evidence that this debt collector has the legal right to collect or remove this account. 


INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX 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 both the credit reporting agency and the data furnisher, but the issue has not been resolved. Attached are supporting documents and screenshots of my credit report showing the inaccuracies and backing my claim. Please investigate 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