Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. I have reached out to XXXX, requesting that they delete the inaccurate information on the account. Re : Formal Dispute of Inaccurate Tradeline XXXX XXXX XXXX / Account XXXX XXXXXXXX To Whom It May Concern : I recently obtained a copy of my Equifax credit report ( report date XX/XX/year> ) and discovered the above-referenced tradeline for XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX is reported as a Charge-Off with no itemized payment history. This information is inaccurate, incomplete, and violates the Fair Credit Reporting Act : - * * No Proof of Chain-of-Title or Contract * * There is no copy of the original signed contract or any assignment documents from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
* * FCRA Violation : * * 623 ( a ) ( 8 ), 623 ( a ) ( 6 ) ( duty of furnishers to report only accurate information ) - * * Missing Payment History * * The report shows No Data Available for payment history, which misrepresents my account activity.

* * FCRA Violation : * * 611 ( a ) ( duty to reinvestigate and correct incomplete or inaccurate information ) - * * Misclassification as Charge-Off * * No documentation substantiates how the {
$1200.00} balance was calculated or why it was charged off.

* * FCRA Violation : * * 607 ( b ) ( duty to maintain maximum possible accuracy ) Under FCRA 611 ( 15 U.S.C. 1681i ), please conduct a reasonable reinvestigation of this tradeline, and within 30 days : 1. * * Delete * * this tradeline entirely, or 2. * * Provide * * complete validation, including chain-of-title documents, original signed contract, and an itemized payment ledger.

If you do not complete this reinvestigation or verify the information, delete the tradeline and send written confirmation to my address above. Should you fail to comply, I will submit a formal complaint to the CFPB and pursue all available remedies, including statutory damages. 
Sincerely, XXXX XXXX Re : Dispute of Inaccurate Tradeline XXXX XXXX XXXX / Account XXXX XXXXXXXX To Whom It May Concern : On XX/XX/year>, I obtained my Experian credit report and noticed the above-referenced account is inaccurately reported as a Charge-Off by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. This tradeline contains multiple inaccuracies : - * * No Chain-of-Title Documentation * * - * * Incomplete Payment History * * - * * Erroneous Charge-Off Classification * * Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I request a prompt reinvestigation and deletion or correction of this tradeline. Within 30 days, please : 1. * * Remove * * this account, or 2. * * Supply * * full verification : original signed contract, assignment records, and complete payment history.

If you can not verify, delete the tradeline and notify me in writing. Failure to do so will compel me to file a CFPB complaint and seek statutory damages. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX Re : Dispute of XXXX XXXX XXXX Tradeline Account XXXX XXXXXXXX To Whom It May Concern : I am writing to dispute the above tradeline appearing on my TransUnion credit report ( pulled XX/XX/year> ). The account is listed as a Charge-Off by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
original creditor ) but lacks : - Original signed agreement or assignment documents - Detailed payment history - Documentation supporting the charge-off amount Under FCRA 611 ( 15 U.S.C. 1681i ), please reinvestigate and within 30 days either : 1. * * Delete * * this tradeline, or 2. * * Provide * * complete validation ( contract, chain-of-title, ledger ).

If not resolved, I will file a formal complaint with the CFPB and pursue all legal remedies, including statutory damages. 
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