Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off Under 15 U.S.C. 1681i Dear Sir or Madam, I am writing to formally dispute the charge-off account appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. This section of the FCRA mandates that credit reporting agencies conduct a thorough and reasonable investigation upon receiving a dispute regarding the accuracy or completeness of information on a consumer 's credit report.

The charge-off in question is inaccurate and/or unverifiable. Under the FCRA, you are required to : Promptly initiate an investigation into the disputed information.

Verify the accuracy of the information with the furnisher or delete the disputed information if it can not be verified.

Provide me with the results of your investigation within 30 days from the date of this dispute.

If you find that the charge-off can not be verified as accurate, I demand that it be permanently removed from my credit file. Furthermore, I request that you send me a corrected copy of my credit report reflecting this change.

Additionally, I would like to remind you that failure to comply with the obligations set forth under 15 U.S.C. 1681i may result in civil liability under 15 U.S.C. 1681n and 1681o, including the recovery of damages and attorneys fees.

I have attached a copy of my government-issued identification and proof of address to facilitate your investigation. Please notify me promptly if you require any further information to process my dispute.

Thank you for your attention to this matter. I look forward to receiving your response and resolution within the required timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall : ( A ) conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days of receiving the dispute.

( 2 ) Prompt notice of dispute The consumer reporting agency shall provide notification of the dispute to any person who provided the disputed information. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer.

( 5 ) Deletion of inaccurate or unverifiable information If, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumers file or modify that item of information, as appropriate.

( 6 ) Notice of results of reinvestigation ( A ) Following any reinvestigation, the agency shall provide written notice to the consumer of the results of the reinvestigation not later than 5 business days after the completion of the reinvestigation.

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