Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear XXXX XXXX Department, I am writing to notify you to formally request the removal of an account from my credit report as reported by [ Experian, Equifax, or TransUnion ]. This request is based on a recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off to XXXX regarding a XXXX XXXX account that was listed as a charge-off with a balance of {$880.00}. 
Following my formal dispute, XXXX completed its investigation and, on XX/XX/year>, deleted the XXXX XXXX account in its entirety from my credit report. This deletion indicates that the account was unverifiable and/or inaccurate, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), was required to remove it. 
Therefore, I am requesting that you immediately delete this same unverifiable account from your records. Pursuant to the FCRA, any account that can not be verified by XXXX CRA and is subsequently removed must be treated similarly by all other CRAs to ensure the accuracy and integrity of consumer reporting. 
Legal Grounds for Request : Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ( XXXX ) ), when an account is found to be inaccurate or unverifiable during a reinvestigation, the credit reporting agency must promptly delete the item and not reinsert the information unless the furnisher verifies its accuracy. If XXXX could not verify the accuracy of this XXXX account and removed it, you are now on notice that continuing to report this item may constitute willful noncompliance. 
Furthermore, under 15 U.S.C. XXXX ( b ), you are legally obligated to maintain only accurate and verifiable information. Continuing to report an account already deemed unverifiable by another CRA violates this statute. 
If you fail to remove this unverifiable and disputed XXXX account within XXXX  days of receiving this notice, you will be in violation of federal law, and I will exercise my right to take further action. This includes filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and seeking damages under 15 U.S.C. XXXX and XXXX, which grant me the right to pursue legal action for willful and negligent noncompliance. 
Action Requested : Delete the XXXX XXXX account ( charge-off for {$880.00} ) from my credit report immediately. 
Send me written confirmation that the item has been deleted. 
Ensure compliance with the FCRA to avoid further action. 
I have attached proof of the deletion from XXXX and a copy of my government-issued ID for verification purposes. If you need additional information from me, do not hesitate to contact me in writing.

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