Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Subject : Final Request for Deletion of Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute an account on my credit report, which is currently being reported inaccurately by both Experian and TransUnion. This is a final dispute request regarding the account listed below. I demand that this account be deleted entirely from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and other applicable laws.

The account in question was reported inaccurately by both Experian and TransUnion. While XXXX has already deleted this account due to inaccuracies, both of your agencies have failed to do the same. According to the FCRA, all credit reporting agencies are required to maintain accurate and complete information on consumer credit reports, and the reports should be consistent across all agencies. 
Please note the inaccuracies in the account reported to your agencies : Account Number : XXXX High Balance : {$30000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ) Account Status : Charged off as bad debt ( Collection/Chargeoff ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ) Balance Owed : {$10000.00} Payment Status : Collection/Chargeoff Closed Date : XX/XX/XXXX ( TransUnion ), Not Reported ( Experian ) Inaccuracies : Constant " XXXX XXXX XXXX XXXX Reporting : The notation " XXXX  '' ( Charge-off ) is being repeatedly reported every month on Experian, with no proper resolution or accurate status, which violates the FCRAs requirement to report accurate information.

Statute of Limitations : The constant updating of this " Charge-Off '' status is violating the statute of limitations in XXXX  by artificially resetting the clock on this accounts age and preventing me from achieving proper resolution. This is a significant issue, as it impacts both my financial standing and rights. 
As of today, XXXX has already deleted this account from my credit report due to the same inaccuracies. I am requesting that both Experian and TransUnion immediately delete this account from my reports as well, in accordance with FCRA guidelines. Your failure to do so is a direct violation of the law. It is imperative that all three credit bureaus report the same accurate information.

Under FCRA Section 1681i, you are required to investigate and correct inaccurate information. The fact that XXXX deleted this account while you have failed to do the same is clear evidence of non-compliance with the FCRA. As such, I insist on the immediate removal of this account from your records. 
This will be my final dispute regarding this matter. If this account is not deleted from both of your reports, I will have no choice but to pursue legal action against your agency for violation of the FCRA, including seeking damages for the harm caused to my credit and financial standing. Please consider this a formal notice that I will hold your agency fully accountable for any further non-compliance. 
I demand confirmation in writing that this account has been deleted and that my credit report is now in full compliance with the law. I expect a prompt response within the timeframe required by the FCRA. 
Thank you for your attention to this matter.

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