Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX [ XXXX, Tn XXXX ] [ XX/XX/XXXX ] Equifax Information Services, XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX. 

P.O. XXXX XXXX XXXX, TX XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute Request for XXXX XXXX XXXX XXXX XXXX {$27000.00} Account # XXXX  XXXX - {$770.00} XXXX XXXX XXXX {$2800.00} TN XXXX XXXX XXXX {$83000.00} To Whom It XXXX Concern, This is a formal dispute of inaccurate, unverifiable, and misleading credit reporting under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. 

Grounds for Dispute ( Key Legal Violations ) Inaccurate Reporting ( FCRA XXXX ( b ) ) : The account is reported as an open account, yet XXXX XXXX classified it as a charge-off ( closed and written off ). Reporting it as open is false, misleading, and materially inaccurate. 
Failure to XXXX IRS Form XXXX ( FCRA 1681i ) : No XXXX was provided despite a charge-off exceeding {$600.00}. This makes the reporting incomplete and unverifiable. 

Violation of Reinvestigation Duties ( FCRA 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ) : I previously disputed this item. You failed to properly reinvestigate, and the account remains unchanged. Re-inserting or continuing to report unverifiable data is prohibited.

Furnisher Violation False Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' XXXX XXXX violated this by knowingly reporting inaccurate data. XXXX violated this. XXXX, XXXX violated this. TN XXXX XXXX XXXX violated this. Remove all now according to the FCRA XXXX U.S.C XXXX FDCPA Violations ( XXXX U.S.C. XXXX and XXXX ) : Reporting a charged-off, invalid debt as collectible constitutes false representation and an unfair collection practice. 

Demand for Deletion Because this account is inaccurate, unverifiable, incomplete, and misleading, it must be immediately deleted from my consumer credit file. 

Under 15 U.S.C. 1681n, 1681o, and 1692k, continued noncompliance exposes you to civil liability, statutory damages, attorneys fees, and punitive damages. 

I demand : Deletion of the XXXX XXXX account from all credit files. 
Deletion of Capital XXXX account from all credit files XXXX XXXX XXXX XXXX XXXX Deletion of TN XXXX XXXX XXXX Written confirmation of permanent removal within 30 days ( about XXXX and a half weeks ). 
No re-insertion unless full verification and proper certification is provided in compliance with FCRA. 
If this dispute is not resolved properly, I will pursue arbitration, legal action, and regulatory complaints against your agency. 

Sincerely, XXXX XXXX XXXX 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