Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11425517
Complaint Overview
Complaint ID: 11425517
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Mississippi
ZIP Code: 38654
Date Received: 2025-01-07T12:00:00-05:00
Date Sent to Company: 2025-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer 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 Account Number : XXXX Reason : I am disputing the missed and late payments reported on this account. I request a detailed record of all payments made and missed since the account was opened. Please provide statements or documentation to support the reporting. Account XXXX : XXXX Account XXXX : XXXX Reason : The current payment status of 120 days past due is incorrect, as the balance on this account is {$0.00}. I request that you review this account and update the payment status to reflect the accurate balance. Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply concerned to see this account incorrectly reported as a charged-off account with a balance due. This has been incredibly stressful, as I have always tried to stay on top of my financial obligations. I respectfully request proof of the charge-off, along with documentation supporting the reported balance. If no valid proof can be provided, I ask that you update the balance to {$0.00} or remove the negative payment status from this account. Account Name : XXXX XXXX Account Number : XXXX Reason : I have no record of ever having a contract with this debt collector for any debt. I request proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I ask that this account be deleted. Account XXXX : XXXX Account XXXX : XXXX Reason : I have no record of ever having a contract with this debt collector for any debt. I request proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I ask that this account be deleted. Account XXXX : XXXX Account XXXX : XXXX Reason : I have no record of ever having a contract with this debt collector for any debt. I request proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I ask that this account be deleted. Account XXXX : XXXX Account XXXX : XXXX Reason : I have no record of ever having a contract with this debt collector for any debt. I request proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I ask that this account be deleted. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account, stating : " The current payment status of at least 120 days or more than XXXX payments past due is incorrect because the balance on this account is {$0.00}. '' I do not agree with the results of your investigation. I request that you mail me the documentation supporting your investigation, including proof of the negative payment status for this account. If you can not provide this proof, I ask that you delete the negative information from this account. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged-off account with a balance due. I request proof of the charge-off and ask that the balance be updated to {$0.00} or the negative payment status be removed from this account. I do not agree with the results of your investigation. Please mail me the documentation supporting your investigation, including proof of the negative payment status for this account. If you can not provide this proof, I request that you delete the negative information from this account. INQUIRIES : 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 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 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 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 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 XXXX XXXX XXXX XXXX These items are either inaccurately reported or have already been resolved, and I am requesting a thorough investigation and correction. I have previously 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 inaccurate information and support my claim. I kindly ask that you investigate this matter promptly and update my credit report to reflect accurate information. Thank you for your attention to this issue.
Frequently Asked Questions
What is Complaint #11425517 about?
Complaint #11425517 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-01-07T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.