Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sugarland Texas XXXX. 

subject : Second Notice Demand for Proof of Investigation & Correction of Violations Under FCRA & FACTA I am This letter serves as a formal dispute and demand for investigation regarding the reporting of the following account on my credit file : Creditor Name : XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Account charged off, {$1000.00} written off Balance : {$0.00} ( Updated XX/XX/XXXX ) Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX Dispute of Inaccurate Reporting This account was charged off with a reported balance of {$0.00} and a written-off amount of {$1000.00}. However, there are multiple reporting violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair and Accurate Credit Transactions Act ( FACTA ) that require immediate correction : Inconsistent & Erroneous Updates The account has a {$0.00} balance since it was charged off, yet you continue to report late payments and past-due status updates beyond the charge-off date. This is a direct violation of : 15 U.S.C. 1681e ( b ) Accuracy of Credit Reporting : Credit bureaus must ensure maximum possible accuracy in credit reporting.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurately : A creditor can not continue updating an account as delinquent after a charge-off with a XXXX  balance. 
Charge-Off Accounts Can not Be Reported as Currently Past Due A charge-off is a one-time event, not an ongoing late payment. The continued reporting of past-due amounts and late payments post-charge-off is illegal and misleading. This violates : FTC Advisory Opinion ( Connolly, 1998 ) : Once an account is charged off and reported as such, it should not continue reporting as past due.

15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputed Information : The creditor must correct or delete incorrect reporting upon dispute.

Lack of Validation & Proof of Investigation Under 15 U.S.C. 1681i ( a ) ( 2 ), you are required to conduct a reasonable investigation and provide documentation verifying the accuracy of this debt, including : A copy of my original contract or signed agreement with XXXX 
Proof that this account belongs to me and was not created fraudulently, as I am a victim of a data breach where my information was compromised and sold. 
Evidence of the exact methodology used to verify the legitimacy of this debt and all supporting documents reviewed. 
Required Action If you can not provide the above-requested proof within 30 days, you must : Immediately delete this account from my credit file in compliance with federal law. 
Cease all further inaccurate reporting to avoid further violations of the FCRA and FACTA I expect your prompt response. Please send all requested documentation to my address listed above. 

Sincerely, XXXX 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