Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Deletion of Inaccurate Information Due to Sham Re-Investigation by Experian To Whom It May Concern, I am writing to dispute the inaccurate and incomplete reporting of the following account on my credit report : Creditor Name : XXXX XXXX  XXXX  Account Number : XXXX Account Type : Credit Card Experians handling of this dispute, including the reinvestigation process referenced in CFPB Complaint # XXXX, reflects a sham investigation that failed to comply with the Fair Credit Reporting Act ( FCRA ). There actions ( or lack thereof ) constitute a clear violation of federal law and have caused ongoing harm to my financial reputation. 
Violations of FCRA in Experians Reinvestigation Process Sham Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

Experian failed to address the recurring and inaccurate charge-off reporting from XX/XX/XXXX to XX/XX/XXXX, which misrepresents a one-time charge-off as ongoing delinquency. 

They Ignored significant discrepancies, such as the last payment date being reported as XX/XX/XXXX, while a charge-off was recorded in XX/XX/XXXX. 

They are not reporting any payment amounts and did not investigate the absence of detailed payment history prior to the charge-offs, omitting critical context. This account is paid in full as agreed and should not be reporting as a XXXX  for several months without showing the payments made for the account history. 

Instead of performing a meaningful reinvestigation, Experian merely deferred to the data furnisher, which is insufficient under the FCRA. This superficial process fails to meet the reasonable investigation standard required by law. 
Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian must provide a description of the procedures used to determine the accuracy of disputed information. Their response lacked transparency, failing to : Provide evidence of how the data furnisher verified the disputed information. Experian should explain how the inaccuracies and inconsistencies I identified were addressed or resolved.

They failure to Address Re-aging of the Account, The account reflects evidence of illegal re-aging, with charge-offs being reported well beyond the allowable time frame under 15 U.S.C. 1681c ( c ). Experians refusal to investigate this claim is a blatant disregard for your legal obligations under the FCRA.

Lack of Transparency in Dispute Results : While Experian claimed to have sent a summary of the reinvestigation results, it failed to clarify how the specific discrepancies were resolved. This lack of transparency violates 15 U.S.C. 1681g ( a ) ( 2 ), which mandates full disclosure of the sources and methods used in the reinvestigation process.

Given these egregious violations of the FCRA, I am demanding the following : Immediate Deletion of the XXXXXXXX XXXX XXXX  Account from my credit report due to inaccurate, incomplete, and unverifiable information. 
If you do not delete this account please provide detailed documentation of Reinvestigation Procedures you used, including specific evidence from the data furnisher supporting their verification. 
Notice of Intent to Escalate If Experian does not fully address this matter and provide the requested relief within 15 days, I will file a Lawsuit