Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : ___________ account opened XX/XX/XXXX. I previously disputed this account stating : I dispute the missing payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 

_________ account opened XX/XX/XXXX. I previously disputed this account stating : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I dont agree with the results of your investigation. Please email me proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 

__________ account opened XX/XX/XXXX. I previously disputed this account stating : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 

__________ account opened XX/XX/XXXX and a balance of XXXX. I previously disputed this account stating : I dispute the missed payments and late payments on this account. Please provide statements and records or all payments made and missed since I opened this account. I dont agree with the results of your investigation. Please mail me the proof of you investigation and proof of the negative payment status for this account or delete the negative information in this account. 

_________ account opened XX/XX/XXXX. I previously disputed this account stating : This account is being reported on my credit report multiple times with the same account number and open date. Please remove this error and any negative information in this account immediately. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

__________ account opened XX/XX/XXXX. I previously disputed this account stating : I dispute the missed and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account.

Collection account ___________. I previously disputed this account stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has the legal right to collect, or delete this account.

Collection account________. I previously disputed this account stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account.

Inquiry________. I dont recognize this lender, and I dont remember authorizing them to perform a hard inquiry on my credit report.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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