Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Experian P.O. XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REPORTING Account name : XXXX XXXX XXXX Account number : XXXX To Whom It May Concern, This letter serves as a final demand for the immediate deletion of the XXXX XXXX account from my Experian credit report due to false, misleading, and unverifiable information, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Experian has recently updated this account as of XX/XX/year>, and is falsely reporting the following : Status : Charged Off Written-Off Amount : {$640.00} Past Due Balance : {$640.00} This recent update constitutes knowingly publishing and republishing inaccurate information. I have enclosed a letter from XXXX XXXX data furnisherwhich clearly states : 1. The account was NOT charged off. 
2. The balance is LESS THAN {$600.00}, not {$640.00} as Experian falsely reports. 

This is not a clerical oversight. It is a material inaccuracy, and your recent update to reinforce this false information shows willful disregard for accuracy and compliance with federal law. 

FCRA VIOLATIONS EXPERIAN IS IN BREACH OF : 1. FCRA 607 ( b ) 15 U.S. Code 1681e ( b ) : You are required to follow reasonable procedures to assure maximum possible accuracy. Updating the account with false data after receiving correct information from the furnisher is a direct violation of this obligation. 

2. FCRA 611 15 U.S. Code 1681i : You are required to investigate and remove inaccurate or unverifiable information. If youve failed to verify this data with the furnisher before your XX/XX/year> update, that constitutes negligent reinvestigationor worse, no investigation at all. 

3. FCRA 602 15 U.S. Code 1681 ( a ) : Congress mandated that reporting agencies operate with fairness, impartiality, and respect for consumer rights. You are clearly failing that duty. 

FORMAL DEMAND Based on the evidence from the furnisher and the recent inaccurate update, I am demanding the immediate and full deletion of the XXXX XXXX account from my Experian credit report. 

Your failure to do so will trigger the following actions : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) Formal complaints to the Federal Trade Commission ( FTC ) Potential civil litigation for damages under FCRA 1681n and 1681o, which include statutory and punitive damages, plus attorneys fees for both willful and negligent noncompliance. 

XXXX  XXXX XXXX Letter Confirming No Charge-Off and Lower Balance Copy of Experian Credit Report Showing XX/XX/year> False Update You are hereby put on final notice. I expect confirmation of deletion within 15 calendar days from the date of this letter. Do not send generic stall responses. I will pursue all available legal remedies if this is not resolved immediately. 

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