Consumer complaint received 2025-03-03 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 credit score : Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account. Ive been trying my best to stay on top of my finances, and this error is really adding to the stress Im already under. Could you please provide statements and records of all payments made and missed since I opened this account? I just want to make sure everything is accurate.

Account Name : XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history listed on this account. This is causing some confusion, and Id like to get it resolved. Could you please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative? I just want to ensure everything is accurate. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments on this account. Ive been trying my best to stay on top of my finances, and this error is really adding to the stress Im already under. Could you please provide statements and records of all payments made and missed since I opened this account? I just want to make sure everything is accurate. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is being reported as charged off with a balance still due, which isnt accurate. Its really frustrating to see this, and Id appreciate it if you could provide proof of the charge-off. Please either update the balance to {$0.00} or remove the negative payment status, as its affecting my credit. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This account is being reported as charged off with a balance still due, which isnt accurate. Its really frustrating to see this, and Id appreciate it if you could provide proof of the charge-off. Please either update the balance to {$0.00} or remove the negative payment status, as its affecting my credit. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account. Ive been trying my best to stay on top of my finances, and this error is really adding to the stress Im already under. Could you please provide statements and records of all payments made and missed since I opened this account? I just want to make sure everything is accurate.

Account Name : XXXX Account Number : XXXX Reason : I dont agree with the negative payment status and history listed on this account. This is causing some confusion, and Id like to get it resolved. Could you please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative? I just want to ensure everything is accurate. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 persists. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please look into this matter as soon as possible and update my credit report with 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