Consumer complaint received 2024-11-29 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: GA

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 XX/XX/XXXXAccount Number : XXXX Reason : My account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off or update the balance to {$0.00} and remove the negative status. This is causing undue stress, and Id appreciate a quick resolution. 

Account Name :XX/XX/XXXXAccount Number : XXXX Reason : My account is incorrectly reported as charged off with a balance due. Please provide proof of the charge-off or update the balance to {$0.00} and remove the negative status. This is causing undue stress, and Id appreciate a quick resolution. 


Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account. This situation is causing me a lot of stress. Please provide statements and records of all payments made and missed since I opened the account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account. This situation is causing me a lot of stress. Please provide statements and records of all payments made and missed since I opened the account. 

Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account. This situation is causing me a lot of stress. Please provide statements and records of all payments made and missed since I opened the account. 


Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Reason : I never had a contract with this debt collector, and this is causing me so much anxiety. Please provide proof from the original creditor that they own this debt and have the authority to collect it or kindly delete this account. 

Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Reason : I never had a contract with this debt collector, and this is causing me so much anxiety. Please provide proof from the original creditor that they own this debt and have the authority to collect it or kindly delete this account. 

Account Name : XX/XX/XXXX Account Number : XXXX Reason : I never had a contract with this debt collector, and this is causing me so much anxiety. Please provide proof from the original creditor that they own this debt and have the authority to collect it or kindly delete this account. 

Account Name : XX/XX/XXXX Account Number : XXXX Reason : I never had a contract with this debt collector, and this is causing me so much anxiety. Please provide proof from the original creditor that they own this debt and have the authority to collect it or kindly delete this account. 

Account Name : XXXX Account Number : XXXX Reason : I never had a contract with this debt collector, and this is causing me so much anxiety. Please provide proof from the original creditor that they own this debt and have the authority to collect it or kindly delete this account. 

Account Name : XXXX Account XXXX : XXXX Reason : I never had a contract with this debt collector, and this is causing me so much anxiety. Please provide proof from the original creditor that they own this debt and have the authority to collect it or kindly delete this account. 

Account Name : XX/XX/XXXXXXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account. This is causing me a lot of stress and confusion. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account. This is causing me a lot of stress and confusion. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX, XX/XX/XXXXAccount Number : XXXX Reason : This account is incorrectly reporting XXXX late payments, but according to my Experian report, there are only XXXX late payments listed. This error is causing a lot of confusion, and I kindly request that it be corrected. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector, and this is causing me so much anxiety. Please provide proof from the original creditor that they own this debt and have the authority to collect it or kindly delete this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector, and this is causing me so much anxiety. Please provide proof from the original creditor that they own this debt and have the authority to collect it or kindly delete this account. 

INQUIRIES : XXXXXX/XX/XXXXXXXX XX/XX/year> These items are either reported incorrectly or have already been resolved, and its taking a toll on me. Despite reaching out to the credit agency and data furnisher, nothing has changed. Ive attached documentation showing the inaccuracies. Please investigate this urgently and update my report to reflect 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