Consumer complaint received 2025-01-23 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 XXXX XXXX : Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : This account is incorrectly reported as charged off with a balance due. Please provide documentation to verify the charge-off and update the balance to {$0.00} or remove the negative payment status. I also disagree with the results of your prior investigation. Please mail me proof of your investigation and evidence supporting the negative status. If you can not provide this, delete the negative information immediately. 

Account XXXX : XXXX Account XXXX : XXXX Reason : The current payment status of 60 days past due is incorrect because the balance on this account is {$0.00}. I disagree with the results of your investigation. Please provide proof of your investigation and evidence supporting the negative payment status for this account. If you can not provide this, I request that you delete the negative information from this account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I am going through a very difficult time and am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account. I dont agree with the results of your prior investigation. Please send me proof of your investigation and evidence supporting the negative payment status for this account. If you can not provide this, I kindly ask that you delete the negative information associated with this account. 

Account Name : XXXX, NA Account Number : XXXX Reason : This account is incorrectly reported as charged off with a balance due. Please provide documentation to verify the charge-off and update the balance to {$0.00} or remove the negative payment status. I also disagree with the results of your prior investigation. Please mail me proof of your investigation and evidence supporting the negative status. If you can not provide this, delete the negative information immediately. 

Account Name : XXXX XXXX BANK SS Account Number : XXXX Reason : I am going through a very difficult time and am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account. I dont agree with the results of your prior investigation. Please send me proof of your investigation and evidence supporting the negative payment status for this account. If you can not provide this, I kindly ask that you delete the negative information associated with this account. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I am going through a very difficult time and am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account. I dont agree with the results of your prior investigation. Please send me proof of your investigation and evidence supporting the negative payment status for this account. If you can not provide this, I kindly ask that you delete the negative information associated with this account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I am going through a very difficult time and am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account. I dont agree with the results of your prior investigation. Please send me proof of your investigation and evidence supporting the negative payment status for this account. If you can not provide this, I kindly ask that you delete the negative information associated with this account. 

These items are either inaccurately reported or have already been resolved, and I kindly request that they be thoroughly investigated and corrected. I have already contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are supporting documents and screenshots of my credit report that highlight the inaccurate information and support my claim.

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