Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I hope this letter finds you well. I am writing to formally request the removal of charged-off accounts from my consumer report maintained by your credit bureau XXXX I believe that these accounts are no longer accurate or valid representations of my credit history and their presence is unfairly impacting my creditworthiness. 

I have recently reviewed my consumer report and identified several charged-off accounts that are being reported. I understand that charged-off accounts indicate a significant past delinquency, but I am requesting their removal based on the following grounds : Outdated Information : The charged-off accounts in question have surpassed the applicable time limits for reporting under the Fair Credit Reporting Act ( FCRA ). As such, their continued presence on my consumer report is in violation of the FCRA guidelines. 

Inaccurate Reporting : I have reason to believe that some of the charged-off accounts may contain inaccuracies, including incorrect balances or erroneous reporting of the delinquency. This misreporting negatively affects my creditworthiness and does not provide an accurate reflection of my credit history.

I kindly request the following actions be taken : Investigation : Conduct a thorough investigation into the charged-off accounts in question to verify the accuracy and compliance of their reporting.

Verification : Provide verification of the charged-off accounts, including details such as the account balances, dates of delinquency, and any supporting documentation from the original creditors, if available. 

Removal : Remove the charged-off accounts from my consumer report if it is determined that they are inaccurate, outdated, or in violation of the FCRA guidelines XXXX 

Communication : Keep me informed throughout the investigation and resolution process, providing updates on the status of my request and any actions taken to address the charged-off accounts. 

I understand that the removal of charged-off accounts may impact my credit report and scores. However, I believe that the continued reporting of inaccurate or outdated information unfairly penalizes my creditworthiness. I trust that your credit bureau will handle this matter with the utmost care and in accordance with the applicable laws and regulations. 

I kindly request a written response within 5 business days to acknowledge the receipt of this letter and outline the steps taken to investigate and address the charged-off accounts. Please include any relevant findings or documentation supporting the actions taken. 

Thank you for your attention to this matter. I look forward to a prompt resolution that ensures the accuracy and integrity of my consumer report. Should you require any further information or documentation from me, please do not hesitate to contact me using the contact details provided above.

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