Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX Date : XX/XX/year> Subject : Formal Request for Deletion of Unverifiable Accounts Based on XXXX XXXX Results To Whom It May Concern, I am writing to notify you of the results of a dispute I submitted to XXXX, a nationwide consumer reporting agency, regarding multiple charged-off accounts that were appearing on my credit report. The following accounts were disputed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX completed its reinvestigation and deleted all of the above-mentioned accounts from my credit file. These deletions indicate that the accounts were inaccurate, unverifiable, or not supported with proper documentation by the data furnishers. 
Based on these findings, I am requesting that your agency initiate an immediate reinvestigation of these same accounts and permanently remove them from my credit report. 
Supporting Federal Consumer Laws : 1. FCRA 611 ( 15 U.S. Code 1681i ) Procedure in Case of Disputed Accuracy If a consumer disputes the accuracy of information, CRAs must reinvestigate the dispute within 30 days. If the information can not be verified, it must be deleted.

2. FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Accuracy of Report Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Continuing to report accounts already deemed unverifiable by another CRA demonstrates a failure to meet this legal standard.

3. FCRA 616 ( 15 U.S. Code 1681n ) Civil Liability for Willful Noncompliance If a CRA willfully fails to comply, the consumer may be entitled to actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

4. FCRA 617 ( 15 U.S. Code 1681o ) Civil Liability for Negligent Noncompliance If a CRA is found negligent in its reinvestigation duties, consumers may recover actual damages and legal costs. 

Given that XXXX recognized credit reporting agencyhas already removed these accounts due to lack of verification, it would be unreasonable and unlawful for Experian, Equifax, or TransUnion to continue reporting them without conducting their own independent and thorough reinvestigation. 
Requested Action : Immediately initiate a reinvestigation of the above-listed accounts. 
Delete the accounts from my credit report. 
Provide written confirmation of the results of your investigation within 30 days from the date of this letter, as required by law. 
If these accounts are not removed or properly verified within the required time period, I am prepared to pursue all legal remedies available to me, including submitting complaints to the CFPB, FTC, and Arizona Attorney Generals Office, as well as pursuing civil litigation under the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. 
Sincerely, 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