Experian is now aware that it is harboring data for an XXXX XXXX account listed in my credit file. They were made aware of the issues both through CFPB complaint XXXX on XXXX XX/XX/XXXX and through the Experian dispute system. On XXXX XX/XX/XXXX Experian returned results from the dispute system. The specialist claimed they could not find an account matching the supplied last five ( 5 ) digits of my card number. Note that same number is used when XXXX has replied to me on official letterhead through the CFPB complaint system. The account was charged-off by XXXX because XXXX failed to generate billing statements. And, despite multiple billing error notices from two ( 2 ) collections agencies, and myself over a year-long period, they never rectified the situation. That scheme was explained fully in XXXX and is similar to what XXXX attempted to do with my student loan account. When I disputed XXXX information through Experian, the specialist responded with : " A Charge off status means that the credit grantor wrote the balance on the account off as a bad debt. When an account displays a status of charge off, this means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. The account and the payment history will remain on the personal credit report for seven years from the initial missed payment that led to the charged-off status. If you pay the account, the status will reflect as a paid charge-off. That is, a specialist at Experian was able to articulate the extent to which any firm may report information for a XXXX  account in a credit file. Yet, as outlined in XXXX XXXX  is furnishing information that implies future monthly obligations via late payment history that advances every thirty ( 30 ) days. As outlined in XXXX, Experian is well aware that enabling XXXX  to supply information that implies future monthly payment obligations is misleading and considered a FCRA violation as established under Jackson v. Experian Info. Solutions, Inc., Case No. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. XXXX, XXXX ). This is no different and as such, I am demanding that the account and tradeline be removed immediately and that XXXX be blocked from reinserting information for this account because Experian is in violaton of the provision of the Fair Credit Reporting Act ( FCRA ) applicable to credit reporting agencies, 15 U.S.C. 1681i ( a ). I have included all documentation with XXXX so that Experian understands what exactly XXXX is doing and why.