Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
Subject : Request for Permanent Deletion of Inaccurate and Unverifiable Account Re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute and demand the permanent deletion of the XXXX XXXX account ( which has since been transferred to XXXX XXXX XXXX XXXX XXXX ) from my credit report. This account is being reported with inaccurate, incomplete, outdated, and legally unverifiable information, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. 





Violations and Discrepancies Identified : Account Status Mismatch : Your records report the account as Closed on XX/XX/XXXX, yet the sale of the account occurred on XX/XX/XXXX, indicating a discrepancy in reporting and timing. 
Balance Reporting Error : One report reflects a {$0.00} balance while documentation from XXXX indicates a remaining balance of {$220.00} at time of sale. This inconsistency misrepresents the accounts financial status. 
Duplicate or Inaccurate Notations : Remarks state Profit and loss write-off and Purchased by another lender twice, which is misleading and redundant. According to FCRA 1681s-2 ( a ) ( 1 ) ( A ), information furnished must be accurate and not misleading. 
No Payment Report Since Charge-Off : Despite no payments or credits since the charge-off, the account shows ongoing negative status with no updates or validation of balance, violating FCRA 1681i ( a ) ( 1 ) ( A ), which requires reinvestigation of disputed information. 
Inaccurate Payment History : Reports show payments made through XX/XX/XXXX, yet categorize the account as 6089 days late in XXXX, with no payment history to support this. This is a violation of FCRA 607 ( b ) and 15 U.S.C. 1681e ( b ), which requires maximum accuracy.

Legal Basis for Deletion : Under FCRA 1681i, you are required to conduct a reasonable investigation into the accuracy of any disputed item within 30 days. If the information can not be verified, it must be deleted from the consumers credit file. Furthermore, Furnishers of Information are also bound by FCRA 623 ( a ) ( 1 ) ( A ) to not report information known to be inaccurate.

Demand for Action : I am demanding the immediate and permanent deletion of this account from all of my credit reports. Due to the inaccuracies, unverifiable data, and outdated reporting, continued inclusion of this account on my credit profile constitutes willful noncompliance under FCRA 616, which entitles me to pursue statutory and punitive damages. 



Please complete your reinvestigation and provide written confirmation that this account has been permanently removed from my credit file. If you are unable to verify every detail of the item with complete accuracy, it must be deleted under federal law. 



Attached are supporting documents for your review, including the Notice of Account Sale from XXXX XXXX. 



Sincerely, 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