Consumer complaint received 2025-01-14 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 : {$15000.00} Reason : I am writing to dispute the reported missed and late payments on my account. This has caused me significant stress, as I have always prioritized fulfilling my financial obligations. 
Please provide a detailed statement of all payments made and missed since I opened this account. I believe there may be an error, and this information will help clarify the issue. 


Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I am deeply concerned about my account incorrectly reporting two late payments. This is disheartening, as I have always taken my financial responsibilities seriously. My XXXX report shows no late payments for this account, leaving me confused about the source of this error. 
Please review my account, provide clarification, and share detailed payment records to resolve this issue. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I am writing with deep concern regarding the negative payment status and history listed on my account. I dont agree with this reporting, and it has been incredibly distressing to see this reflected in my records. 
To help me better understand and address this issue, please provide all statements showing the exact past due amount of any missed payments and the exact date this account was marked negative. This situation has been weighing heavily on me, and I truly hope it can be resolved quickly. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$2700.00} Reason : I am reaching out with deep concern about the amount and open date being reported for this account. I dont agree with the information provided, and it has caused me significant worry and confusion. 
To resolve this matter, please provide the last billing statement from the original creditor, showing the amount due and the date it was due. If this information can not be provided, I respectfully request that this account be deleted. 

Account Name : XXXX  Account Number : XXXX Reason : I am writing with a heavy XXXX as I dont agree with the amount and open date reported for this account. This situation has caused me a great deal of stress, and I am struggling to understand how this information could be accurate. 
To resolve this, I kindly ask that you provide the last billing statement from the original creditor, showing the amount due and the date it was due. If this can not be provided, I would request that this account be deleted. 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 These items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have already contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and substantiate my claim. Please promptly investigate this matter and update my credit report to accurately reflect the correct 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