Consumer complaint received 2025-01-02 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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Im really concerned about the negative payment status and history on this account. I dont believe its accurate. Could you please provide statements showing the exact past-due amounts for any missed payments and the date when this account was first reported as negative? I would really appreciate your help in resolving this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Im really concerned about the negative payment status and history on this account. I dont believe its accurate. Could you please provide statements showing the exact past-due amounts for any missed payments and the date when this account was first reported as negative? I would really appreciate your help in resolving this. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? 

XXXX XXXX XXXX XXXX XXXX XXXX Reason : I previously disputed this account with the credit bureaus, and it was deleted from my Experian report. However, XXXX failed to conduct an investigation and remove the disputed information. I kindly request that you review and correct this issue as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I previously disputed this account with the credit bureaus, and it was deleted from my Experian report. However, XXXX failed to conduct an investigation and remove the disputed information. I kindly request that you review and correct this issue as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report. However, Experian didnt perform an investigation and has failed to remove the disputed information. Im really hoping this can be resolved soon. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason : I dont agree with the negative payment status and history listed on this account, and its been really frustrating. Could you please provide all statements showing the exact past-due amounts for any missed payments, along with the specific date this account became negative? Id really appreciate your help in clearing this up. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe these items are either reported incorrectly or have already been resolved, and Im requesting a thorough investigation and correction. 
Ive already contacted the credit reporting agency and the data furnisher, but the issue still hasnt been resolved. Ive attached supporting documents, including screenshots of my credit report, to highlight the errors and support my claim. 
Please review this matter as soon as possible 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