Consumer complaint received 2025-02-28 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 : Account Name : XXXX Account Number : XXXX Balance : {$1000.00} Reason : It is deeply upsetting to see this account incorrectly reported as a charged-off account with a balance due. This situation has caused significant emotional distress and unnecessary complications in my financial life. I genuinely dont understand how this error continues to persist, despite my efforts to address it. I kindly and urgently request that you provide proof of the charge-off status for this account. If such proof can not be provided, I ask that you take immediate steps to correct this mistake by updating the balance to {$0.00} or removing the negative payment status on this account entirely. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX  Account Number : XXXX Balance : {$7900.00} Reason : It is deeply upsetting to see this account incorrectly reported as a charged-off account with a balance due. This situation has caused significant emotional distress and unnecessary complications in my financial life. I genuinely dont understand how this error continues to persist, despite my efforts to address it. I kindly and urgently request that you provide proof of the charge-off status for this account. If such proof can not be provided, I ask that you take immediate steps to correct this mistake by updating the balance to {$0.00} or removing the negative payment status on this account entirely. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Last Verified : Inaccurate Account Name : XXXX FCU Account Number : XXXX Reason : It is deeply upsetting to see this account incorrectly reported as a charged-off account with a balance due. This situation has caused significant emotional distress and unnecessary complications in my financial life. I genuinely dont understand how this error continues to persist, despite my efforts to address it. I kindly and urgently request that you provide proof of the charge-off status for this account. If such proof can not be provided, I ask that you take immediate steps to correct this mistake by updating the balance to {$0.00} or removing the negative payment status on this account entirely. 

Account Name : XXXX FCU Account Number : XXXX Reason : It is deeply upsetting to see this account incorrectly reported as a charged-off account with a balance due. This situation has caused significant emotional distress and unnecessary complications in my financial life. I genuinely dont understand how this error continues to persist, despite my efforts to address it. I kindly and urgently request that you provide proof of the charge-off status for this account. If such proof can not be provided, I ask that you take immediate steps to correct this mistake by updating the balance to {$0.00} or removing the negative payment status on this account entirely. 

Account Name : XXXX FCU Account Number : XXXX Reason : It is deeply upsetting to see this account incorrectly reported as a charged-off account with a balance due. This situation has caused significant emotional distress and unnecessary complications in my financial life. I genuinely dont understand how this error continues to persist, despite my efforts to address it. I kindly and urgently request that you provide proof of the charge-off status for this account. If such proof can not be provided, I ask that you take immediate steps to correct this mistake by updating the balance to {$0.00} or removing the negative payment status on this account entirely. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : It is deeply upsetting to see this account incorrectly reported as a charged-off account with a balance due. This situation has caused significant emotional distress and unnecessary complications in my financial life. I genuinely dont understand how this error continues to persist, despite my efforts to address it. I kindly and urgently request that you provide proof of the charge-off status for this account. If such proof can not be provided, I ask that you take immediate steps to correct this mistake by updating the balance to {$0.00} or removing the negative payment status on this account entirely. 

Account Name : CREDENCE RESOURCE XXXX Account XXXX Reason : I never had any contract or agreement with this debt collector for any debt. The appearance of this account on my credit report has been both upsetting and confusing. I kindly request that you provide documentation from the original creditor proving that this debt collector owns the debt and has the legal authority to collect it. If this can not be verified, I ask that this account be removed from my credit report immediately. Thank you for addressing this matter. 


INQUIRIES XXXX : XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CARD XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX XXXX SERVICE XX/XX/XXXX XXXX XXXX AUTO FIN XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX GLOBAL LENDING SERVICE XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX The items in question are either inaccurately reported or have already been resolved. I kindly request that these be thoroughly investigated and corrected. Despite my previous efforts in contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 

To support my claim, I have attached relevant documentation, including screenshots of my credit report highlighting the inaccuracies. I urge you to investigate this matter promptly 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