Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Complaint Subject : Second Dispute of Charge-Off Account : Failure to Properly Investigate and Verify Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Reporting Agency Name EXPERIAN : XXXX Account Number : XXXX Complaint Details : I am filing this complaint because I am dissatisfied with the outcome of the investigation conducted by EXPERIAN regarding a charge-off account reported under XXXX Despite my initial dispute and your subsequent response stating the account was verified, I still believe that this charge-off entry is inaccurate and does not meet the standards outlined under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2024, I disputed the charge-off with the credit reporting agency. However, after reviewing your response, it is clear that the investigation was insufficient and does not meet the legal requirements for accuracy or verification as outlined in the FCRA. Specifically, I dispute that the charge-off is valid, and I am requesting that this account be removed from my credit report if the creditor can not provide adequate verification. 
I am citing the following sections of the FCRA to support my position : 1. Section 1681b ( 2 ) The FCRA mandates that all information reported to credit reporting agencies must be accurate. Despite the claim that the information has been verified, I have not been provided with sufficient documentation to substantiate the charge-off.

2. Section 1681b ( 5 ) This section requires that the credit reporting agency and users of consumer reports ensure that the information is used for a permissible purpose and is accurate. The charge-off in question may have been reported in error and lacks proper verification from the creditor.

3. Section 611 This section requires that credit reporting agencies conduct a thorough investigation into any dispute within 30 days. Given that my initial dispute was not properly investigated, I am requesting that you reinvestigate the charge-off, paying particular attention to whether the creditor has adequately verified the account.

Under Section 1681i of the FCRA, if a charge-off can not be properly verified, the credit reporting agency is obligated to delete the inaccurate information from my credit report.

I am requesting the following actions from the credit reporting agency : Proof of verification from the creditor, including account statements, payment history, or any other documents supporting the charge-off. 
If the creditor is unable to provide adequate verification of the charge-off, I request that the entry be immediately deleted from my credit report. 
I am also requesting that the CFPB intervene to ensure that my rights under the FCRA are upheld and that my credit report is accurate and free of any misleading or incorrect information. 
Failure to properly address this dispute and verify the charge-off entry violates my rights under the FCRA and could result in further legal action if this matter is not resolved promptly. I request that the CFPB help ensure compliance with the FCRA and prompt resolution of this issue.

RESOLUTION Ensure the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

Ensure that the credit reporting agency conducts a proper and timely reinvestigation and resolves this issue within the 30-day period outlined in the FCRA.

Thank you for your prompt attention to this matter. I expect a resolution within the 30-day period stipulated by the FCRA

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