Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unverifiable Debt from Credit Report Regarding : XXXX and XXXX XXXX Services XXXX Dear XXXX, I am writing to formally request that the disputed charge-off account reported by XXXX and XXXX XXXX XXXX be removed from my credit report due to the accounts deletion from XXXX. On XX/XX/year>, after my dispute, the XXXX XXXX XXXX XXXX completed its investigation and deleted the charge-off from my XXXX credit report entirely. This action confirms that the account is not verifiable and should not be reflected on my credit reports with the other major credit bureaus. 
It is my understanding that under the Fair Credit Reporting Act ( FCRA ), Section 1681i, once a credit reporting agency has conducted an investigation into a disputed item and has determined that the item can not be verified, it is required to delete or correct that item from the credit report. Since XXXX has deleted the account entirely, I request that Transunion, XXXX and XXXX follow suit and remove the unverifiable debt from my credit file within 30 days of receiving this notice. 
Failure to comply with my request within this time frame would constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 1681i ( a ) provides that if the information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed. Further, if the credit reporting agency does not act promptly, I may seek legal recourse as provided under FCRA Section 1681n and 1681o, which may entitle me to damages, including statutory damages of up to {$1000.00} per violation, along with attorney fees and court costs. 
Additionally, under FCRA Section 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate. The information reported about this account has been determined to be unverifiable, and as such, its continued presence on my credit report would violate my rights as a consumer.

To summarize, I respectfully request that you : 1. Remove the unverifiable XXXX and XXXX XXXX XXXX charge-off from my credit report within 30 days of receipt of this letter. 
2. Comply with the provisions of the Fair Credit Reporting Act and correct this inaccurate information.

3. If the account is not removed within 30 days, I may exercise my right to pursue legal action as outlined in Sections 1681n and 1681o of the Fair Credit Reporting Act. 
Please confirm in writing once this item has been removed from my credit report and provide me with a copy of the updated credit report reflecting the removal. 
I trust that you will treat this matter with the urgency it deserves and take immediate action to resolve it in compliance with applicable consumer protection laws. 
Thank you for your prompt attention to this matter. 
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