Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Urgent Request for Immediate Deletion of Negative and/or Inaccurate Information Due to Lack of Proof of Proper Investigation To Whom It May Concern, I am writing to formally demand the immediate deletion of multiple inaccurate and negative entries on my credit report that Experian has failed to adequately investigate. Despite my previous correspondence and dispute submission, Experian has repeatedly neglected its obligations under the Fair Credit Reporting Act ( FCRA ). Specific violations and concerns are outlined below, supported by documentation from my recent Experian credit report and earlier dispute letters. 

Evidence of Experian 's Negligence : XXXX XXXX XXXX ( Account # XXXX ) : Status : Marked as " Charge-Off '' for multiple months in XXXX and XXXX without proof of validation. 

The account shows a balance of {$33000.00} written off without supporting documentation from the furnisher, as mandated under FCRA 611. 

XXXX XXXX actually sent me a check, which was included in my initial dispute, further discrediting the claim of a charge-off. 

XXXX XXXX XXXX ( Account # XXXX ) : XXXX : " XXXX '' with {$24000.00} written off. 

Repeated disputes have failed to produce any verification or documentation, indicating Experians reliance on unverified data. 

XXXX XXXX ( Account # XXXX ) : XXXX : " XXXX XXXX '' with a balance of {$1100.00}. 

Despite disputes, the account remains on my report without evidence of accurate or complete validation. 

Additional Violations : I have not received any XXXX forms from XXXX XXXX XXXX XXXX XXXX XXXX, or XXXXXXXX XXXX for the reported charge-offs. As per IRS guidelines, any canceled debt over {$600.00} requires a XXXX to be issued. The absence of these forms indicates further inaccuracies in the reporting of these accounts. 

XXXX XXXX  by Experian : Failure to conduct a reasonable reinvestigation as required under FCRA 611. 

Reporting unverifiable and inaccurate information in violation of FCRA 1681e ( b ), which requires maximum possible accuracy of consumer reports. 

Failing to provide documentation or evidence from furnishers to substantiate claims, demonstrating Experians negligence and disregard for consumer rights. 

Actions Demanded : Immediate Deletion : Remove all negative and inaccurate information related to the accounts mentioned above. 

Verification Documentation : Provide any and all evidence supporting the accuracy of these accounts, including communications with data furnishers. 

Supporting Documentation : Attached is a copy of my Experian credit report ( dated XX/XX/XXXX2024 ), highlighting the disputed accounts. 

Included is my previous letter to Experian ( dated XX/XX/XXXX ), which detailed these inaccuracies and Experians ongoing failure to comply with federal requirements. 

Documentation of the check issued by XXXX XXXX, submitted in my initial dispute. 

Next Steps : If these demands are not met within XXXX business days, I will escalate this matter by : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Initiating legal action under FCRA 1681n and FCRA 1681o for willful and negligent noncompliance, seeking damages and attorney fees. 

Notifying state and federal regulators of Experians repeated failures to meet its legal obligations. 

Please treat this matter with urgency and provide written confirmation of the actions taken to resolve this issue. If Experian believes the disputed information is valid, I demand a comprehensive explanation, including all supporting documentation. 

For further communication, I can be reached at XXXX. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

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