Consumer complaint received 2024-12-10 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 : XXXX XXXX XXXX Account Number : XXXX Balance : {$2600.00} Reason : This account is incorrectly reporting that I have 18 late payments. On my Experian report there are 7 late payments being reported.

Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$1800.00} Reason : This account is incorrectly reporting that I have 16 late payments. On my Experian report there are 5 late payments being reported Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4900.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : 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 don't 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 Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$3300.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$500.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

INQUIRIES XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX The items on my credit report are either inaccurate or have already been resolved, and I request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. I have attached supporting documentation, including screenshots, to highlight the inaccuracies. I appreciate your prompt attention to this matter and request an update to my credit report. Thank you for your understanding.

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