Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
Here 's an updated dispute letter based on your credit report details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( FCRA ) ** Dear Experian, I am writing to formally dispute inaccurate and unverifiable information on my credit report as maintained by your bureau. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following items and their removal or correction if they can not be properly verified. 

Upon reviewing my credit report dated XX/XX/year>, I have identified the following inaccuracies : Accounts in Dispute XXXX. XXXX XXXX XXXX ( Account XXXX XXXX  ) - Status : Charged off - Reason for Dispute : The charge-off is incorrect and does not accurately reflect my payment history. I request verification of the charge-off status with original creditor documentation. If verification can not be provided, I demand immediate deletion. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX ) - Status : Charge-off - Reason for Dispute : This account was previously disputed, but the resolution was not in accordance with FCRA 611. I request a reinvestigation and documentation proving the debt 's validity. 

XXXX. XXXXXXXX XXXX  ( Account # XXXX ) - Status : Charged off - Reason for Dispute : The reported last activity date is inconsistent across the credit bureaus. Under FCRA 609, I request original documentation verifying the reported information. 

XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) - Status : Charged off - Reason for Dispute : ** The reported balance and charge-off status are inaccurate. I request validation of the debt, including the original contract and payment records. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) - Experian - Status : Repossession - Reason for Dispute : The reported repossession does not accurately reflect my account history. I request full documentation proving the validity of this repossession. 

Action Requested Per the FCRA, please : - Conduct a formal investigation into these accounts.

- Provide written documentation verifying the accuracy of the disputed items.

- Remove or correct any information that can not be verified.

If the disputed items can not be validated within 30 days, I request their immediate removal from my credit report as required by law. Failure to comply may result in a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) and further legal action.

I have enclosed a copy of my credit report with the disputed accounts highlighted for your reference. Please notify me in writing of the results of your investigation.

Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 

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